vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-22 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: Trident Asset Management, L.L.C.
State: LA

Complaint narrative:
This creditor is violating my rights under the Fair Credit Reporting Act - 15 U.S.C.1681 section 602 - states I have the right to privacy. Under 15 U.S.C. 1681 section 604a section .2 also states a consumer an not furnish an account without my written instructions and consent. 

TRIDENT ASSET MANAGEME is reporting I owe a debt of {$610.00} to them and this is false. I do not have an account with them nor have they provided me with a copy of the contract I have with their company with my signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FIRST INTERSTATE BANCSYSTEM, INC.
State: NE

Complaint narrative:
I used to have a checking account with Great Western Bank. It was absorbed by First Interstate Bank. Prior to absorbing the company I was informed that my account number would be closed/changed because their business had a previous customer with the same account number. Despite my best efforts to maintain an account number that Id owned for 40 years. I was denied keeping my personal account. I opted to close all accounts with Great Western Bank before First Interstate took-over ownership. I completed all signed paperwork stating that the account was closed. Months later I was told that the account was never properly closed and I was now accruing fees for not having a minimum balance in a checking account that I never opened. Ive been attempting for XXXX XXXX years to get the account closed and the fees removed from the accounts ; still unsuccessfully.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I'm very disappointed in how my rights have been violated by this company. I've sent out numerous letters to resolve this issue and recently sent another letter that they never responded to as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 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: TN

Complaint narrative:
XXXX to whom it may concern please provide proof of charge off for this account, im writing in regard to inaccuracies on my credit report. this account is reporting CHARGED off with a balance for XXXX and reporting a zero balance for Transunion which is it? Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 

If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I must pay. 

The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was.

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 2023-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
In XXXX I was employed at the XXXXXXXX XXXX Sheriff Department in XXXX Tn. I submitted a XXXX incident in XXXX of XXXX and an assault that resulted in XXXX XXXX. My employer retaliated immediately by using its influence with the TransUnion company, on XX/XX/XXXX, to publish false financial information in order to restrict my financial ability to get legal help. I did not give my employer written consent to contact TransUnion on XX/XX/XXXX. My former employer contact telephone number, XXXX is on the TransUnion report. The other number on the report, XXXX, belongs to me and I have had this number only a couple of years. My former employer had the financial power to have me falsely arrested and terminated on XX/XX/XXXX. The The XXXX XXXX Retirement Board immediately took my entire pension earning on XX/XX/XXXX also without my knowledge or consent. The XXXX XXXX Sheriff Department now refuse to furnish an affidavit of arrest that occurred on XX/XX/XXXX. The indictment # 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 non-monetary relief
Consumer complaint received 2023-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Paid for course from XXXX XXXX XXXX through Paypal and received incomplete service from seller and tried to dispute with Paypal and was denied and contacted XXXX XXXX for refund and was left with no response

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 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: LA

Complaint narrative:
Please See Attached account disputes documents detailing inaccurate reporting practices on my consumer report that are violating my consumer rights and damaging my reputation and credit history in the eyes of creditors past and present. As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. INCOME DOES NOT GET REPORTED ON THE COSUMER REPORT, WHICH MAKES THIS REPURTING INACCURATE. By definition, the IRS clearly states, the charge off is income, the reporting of this account as inaccurate. I dispute any debt these companies claims to have on me. You must stop all collection activities. Do not call my telphone number. If you were ever giving permission to call this telephone number I am revoking that now. My demands are : For you to provide me the audit trail This is what I need included in the audit trail : * Account file * Ledger * All accounting documents * The transactional history

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Equifax Information Services LLC has not verified the veracity of the information and is using illegally stall tactics. 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. 

From Equifax Information Services LLC : Account name : XXXX XXXX XXXX Account Number : XXXX XXXX Account name : XXXX XXXX XXXX Account Number : XXXX XXXX Account name : XXXX XXXX XXXX Account Number : XXXX XXXX Account name : XXXX XXXX Account Number : XXXX XXXX Account name : XXXX XXXX XXXX Account Number : XXXX XXXX Account name : XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Klarna AB
State: AZ

Complaint narrative:
On XX/XX/22 I attempted to manage my Klarna card via their mobile app. The application returned an error stating that my identity couldnt be verified. I did not agree to any additional credit checks so I am unsure what the verification is for. I was simply attempting to manage the account to prepare for an address change. I contacted Klarna using the number printed on the back of the card, XXXX, and was connected to a representative who sounded like they werent sure what I was talking about. After a silent hold, they came back and said they couldnt support me and that they would forward my request elsewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 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: NV

Complaint narrative:
In accordance with The Fair Reporting Act the following companies has violated my right. 
XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: AL

Complaint narrative:
on XX/XX/XXXX I discovered on my annual credit report, incorrect information on my credit. This is a result of Identity Theft and need to be removed ASAP! please have the following removed ; XXXX XXXX XXXX amount : {$830.00} opened : XX/XX/XXXX original creditor : XXXX XXXX XXXX XXXX XXXX XXXX CCS Collections original creditor : XXXX OPENED XX/XX/XXXX This reporting incorrectly on my credit due to identity theft and has affected me in so many ways for my career and being able to buy a home for my family.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Ive tried reaching out to transunion over inaccurate information being reported. They responded once ( the first time ) out of the 3 times Ive reached out. They are reporting false information and it is affecting my process of buying my first home. I need this information that has already been unverifiable from the main source to be removed at once. I am going to attempt to send out a 4th letter with this complaint number attached in hopes they respond and remove this information.

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 2023-03-22 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: GA

Complaint narrative:
After carefully reviewing my consumer report, I realize my consumer rights have been violated. According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report doesnt not include any report containing information solely as to transactions or experience between the consumer and the person making the report. Late payments are a form of transactions and utilization is an experience created by credit usage. XXXX is reporting late payments/utilization on multiple accounts : XXXX XXXX XXXX Unverified/Not Metro 2 compliant XXXX XXXX XXXX Unverified /Not Metro 2 compliant XXXX XXXX XXXX XXXX XXXX Unverified/Not Metro 2 compliant XXXX XXXX XXXX XXXX XXXX Unverified/Not Metro 2 compliant XXXX Unverified/Not Metro 2 compliant XXXX XXXX Unverified/Not Metro 2 compliant XXXXUnverified/Not Metro 2 compliant XXXX XXXXUnverified/Not Metro 2 compliant XXXX XXXX XXXX XXXXUnverified/Not Metro 2 compliant XXXX XXXXUnverified/Not Metro 2 compliant XXXXUnverified/Not Metro 2 compliant and/or utilization is an experience created by credit usage . 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. I never gave XXXX written instructions to report anything to my consumer report, let alone these late payments/utilization. Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued function of the banking system. Nothing about the reporting of these late payments/UTILIZATION is accurate, and my privacy has been violated due to XXXX violating my consumer rights by allowing these late payments/utilization to report to my 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 2023-03-22 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: EQUIFAX, INC.
State: GA

Complaint narrative:
After carefully reviewing my consumer report, I realize my consumer rights have been violated. According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report doesnt not include any report containing information solely as to transactions or experience between the consumer and the person making the report. Late payments are a form of transactions and utilization is an experience created by credit usage. XXXX is reporting late payments/utilization on multiple accounts : XXXX. XXXX XXXX Unverified/Not Metro 2 compliant XXXX. XXXX XXXX Unverified /Not Metro 2 compliant XXXX XXXX XXXX XXXX XXXXXXXX Unverified/Not Metro 2 compliant XXXX XXXX XXXX XXXX XXXX  Unverified/Not Metro 2 compliant XXXX Unverified/Not Metro 2 compliant XXXX. XXXX Unverified/Not Metro 2 compliant XXXXUnverified/Not Metro 2 compliant XXXX XXXX XXXX XXXX compliant XXXX XXXX XXXX XXXXUnverified/Not Metro 2 compliant XXXX XXXXUnverified/Not Metro 2 compliant XXXXUnverified/Not Metro 2 compliant and/or utilization is an experience created by credit usage XXXX 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. I never gave XXXX written instructions to report anything to my consumer report, let alone these late payments/utilization. Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued function of the banking system. Nothing about the reporting of these late payments/UTILIZATION is accurate, and my privacy has been violated due to XXXX violating my consumer rights by allowing these late payments/utilization to report to my consumer report!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
PAYPAL - Have used PayPay for 8 years without a problem. We charge customer 's credit card to pay for orders and some of them are large amounts. One of our customer 's filed a complaint with her personal credit card company that someone had misused her card ( not us ) and it was a card we had charged on PayPal to pay for goods. Her credit card company stopped ALL payments to investigate and the money we charged on PayPal was debited to our account leaving our PayPal account $ XXXX. I told PayPal they could debit MY company 's bank account for the {$15000.00} but XXXX said no they couldn't do it because they had put a hold on our funds in XXXX  and our account was only- {$6000.00}. AGAIN I offered to pay XXXX the full {$15000.00} but no they wanted to debit our bank account for {$6000.00} and they did so but still put a hold on all money we have charged. I ALSO paid {$9000.00} ( total of {$15000.00} ) so that we would have full use of our XXXX account. They STILL are holding our money ( about {$30000.00} ) and say that now we are over our " limit of charges '' this month. Now mind you we are paying fees with EVERY charge AND they are getting interest on OUR money AND we have paid the {$15000.00} but still don't have use of our money. All charges are put on HOLD. Called again and was told that XXXX could up our " monthly limit '' charge because we had reached our {$59000.00} limit this month. These are the charges we have had XX/XX/2022 {$81000.00}, XX/XX/2022 {$90000.00} XX/XX/2022 {$85000.00}. Clearly there is not a limit on our account. We still don't have use of our money. Is XXXX going bankrupt so will be keeping our funds?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I had a car financed by Wells Fargo Auto since XX/XX/XXXX. Unfortunately in XX/XX/XXXX I was involved in a car accident, I WAS NOT THE PARTY AT FAULT, and my vehicle was declared total lost. At that point the insurance company contacted Wells Fargo to get payoff amount and was working on sending the check. I contacted Wells Fargo the first week of XXXX because the status of the account was frozen and it wasnt letting me pay my monthly payment online. I was told by the agent that I had to wait until the settlement check was cleared in order to make further payments if needed. Check cleared on XX/XX/XXXX for a total of XXXX, leaving a balance of XXXX I submitted the next payment in XXXX, and now they are reporting on my credit that I did not submit a payment for XXXX. First of all, I did try and I didnt have the option online or over the phone due to the status they out after behind notified of the accident. Second, when I called the representative told me to wait for the check from insurance company. Third, they did receive the check in XXXX. So I would like to know how come they do not have all these phone conversations on record so they can confirm what the representative said, and why are they reporting the month of XX/XX/XXXX as NO PAYMENT on my credit score. I have never ever made a late payment before. So unethical, unprofessional and poor customer service.

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 2023-03-22 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Reported debt to my credit report from XXXX XXXX that is not valid. XXXX XXXX sold my information to a third party after 14 years since I visited the business. Claiming I owe them money without producing any confirmation of this debt and have not contacted me in 14 years.

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 2023-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Duncan Solutions, lnc.
State: PA

Complaint narrative:
On XX/XX/2020 Professional Account Management ( P.A.M. ) sent an invoice via email. The invoice was from the PA Turnpike totaling {$570.00}. I paid the invoice via P.A.M.s website. I was not supplied with a receipt after payment. PA Turnpike is stating they did not receive the money from P.A.M. PA Turnpike and PAM no longer do business together. I called PAM and they are stating they dont have my account. I have the email that was sent and the transaction from my bank statement showing that the balance was paid. I believe both companies to be unethical and are trying to get me to pay for a debt I no longer owe.

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 2023-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have had credit cards for two years with XXXX and XXXX XXXX XXXX XXXX ( XXXX  ). I had made sure both credit cards report to the bureaus. I was about to refinance my mortgage and they wanted to pull all 3 credit bureaus scores, EQUIFAX had nothing. I was telling them that I need this done for refinance so they took a copy of id, ssn and a hand written letter. I have not recieved no response!!! I need this before XX/XX/XXXX otherwise I can not refinance.

Company response to consumer: Closed with explanation