vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SANTANDER HOLDINGS USA, INC.
State: WI

Complaint narrative:
I received a credit alert that my credit was pulled. I noticed credit inquiries that I did not authorize, made by the following companies : XXXX. XXXX XXXX XXXX XX/XX/2023 XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XX/XX/2023 XXXX. Chrysler Capital XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/2023 XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX. XXXX XXXX XX/XX/2023 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 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: OR

Complaint narrative:
XXXX, and equifax are committing fraud by keeping these accounts XXXX XXXX XXXX, XXXX, and XXXX XXXX on my credit report even though these companies have sold the debt and no longer own them they need to be deleted immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Hello, I am writing to dispute certain inaccurate information that appears on my credit report. 

I believe that it contains errors that require immediate attention and correction. The details of the disputed information are as follows : Creditor Name : XXXX Account # XXXX Description of Inaccuracy : Describe the specific inaccurate information, such as incorrect payment history, inaccurate balance, or erroneous account status. 

I have attached supporting documents that verify the inaccuracies mentioned above. 

Under the Fair Credit Reporting Act ( FCRA ), I request that you conduct a thorough investigation into these disputed items. Please ensure that all the inaccurate information is corrected or, if necessary, deleted from my credit report within the timeframe prescribed by law. 

Furthermore, I kindly request that you provide me with a written statement confirming the completion of the investigation and any actions taken to rectify the inaccuracies. Please send the updated credit report to the address provided above. 

I understand that you are required by law to inform the creditors associated with the disputed items about my dispute. I kindly request that you forward all relevant information and supporting documents to them as well. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a or my account without my written instructions.

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 2023-06-23 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: TN

Complaint narrative:
Hello, I am writing to dispute certain inaccurate information that appears on my credit report. 

I believe that it contains errors that require immediate attention and correction. The details of the disputed information are as follows : Creditor Name : XXXX Account # XXXX Description of Inaccuracy : Describe the specific inaccurate information, such as incorrect payment history, inaccurate balance, or erroneous account status. 

I have attached supporting documents that verify the inaccuracies mentioned above. 

Under the Fair Credit Reporting Act ( FCRA ), I request that you conduct a thorough investigation into these disputed items. Please ensure that all the inaccurate information is corrected or, if necessary, deleted from my credit report within the timeframe prescribed by law. 

Furthermore, I kindly request that you provide me with a written statement confirming the completion of the investigation and any actions taken to rectify the inaccuracies. Please send the updated credit report to the address provided above. 

I understand that you are required by law to inform the creditors associated with the disputed items about my dispute. I kindly request that you forward all relevant information and supporting documents to them as well. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a or my account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23 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: TX

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.

The letters are stated with items and issues.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23 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: Block, Inc.
State: MN

Complaint narrative:
So I use the card frequently for online gaming purchases with two different merchants operated by the same company. The merchants are chumba, and luckyland and they are operated by a outfit called XXXX ( virtual gaming world ). Now I make frequent purchases throughout a session and what began happening is that when I would go to process a payment it would initially come back and say failed please try again so I would go back and try it again and then it would go through. I assumed it was some kind of network error, or perhaps connectivity issue and thought nothing if it since it always went through the second time. Well it wasn't until later that it was brought to my attention by another user of the website that he was being double charges that I went back and looked and sure enough going to XXXX they have been double charging me on those occasions. I know this for a fact because I don't make two or three purchases in matter of minutes, in fact often within the same minute!! So I disputed the instances I found that I was sure of and the cash all people granted several of them and denied a bunch of them. I don't know how they grant half of them an then say that the others aren't valid when they are the exact same issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 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: FL

Complaint narrative:
I CALLED XXXX XXXX : REGARDING AN ERROR THEY CONTINUALLY KEEP REPORTING ON MY CONSUMER CREDIT REPORTS PER XXXX AT XXXX XXXX ON XX/XX/23 @ XXXX XXXX STATES THAT SHE SEE WHERE I PAID THE ACCOUNT OFF, ALSO STATING THAT ITS SHOWING {$0.00} BALANCE SO I SAID TO HER THE ACCOUNT IS SHOWING OPEN AND THAT IS INACCURATE AND ITS AFFECTING MY CONSUMER REPORT. SHE REPLIED BACK AND SAID TAKE IT UP WITH THE CREDIT BUREAUS THEY ARE THE ONES REPORTING IT NOT THEM MEANING XXXX XXXX. I HAVE REACH OUT TO ALL THREE CREDIT BUREAUS AND THEY ARE CONTINUALLY REPORTING AS VERIFIED WHICH THEY ARE IN DIRECT VIOLATION OF THE FAIR CREDIT REPORTING ACT. ( XXXX XXXX # XXXX ) HAVE VIOLATED SEVERAL OF MY RIGHTS. 
15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

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 2023-06-23 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: FL

Complaint narrative:
I CALLED XXXX XXXX : REGARDING AN ERROR THEY CONTINUALLY KEEP REPORTING ON MY CONSUMER CREDIT REPORTS PER XXXX AT XXXX XXXX ON XX/XX/ @ XXXX XXXX STATES THAT SHE SEE WHERE I PAID THE ACCOUNT OFF, ALSO STATING THAT ITS SHOWING {$0.00} BALANCE SO I SAID TO HER THE ACCOUNT IS SHOWING OPEN AND THAT IS INACCURATE AND ITS AFFECTING MY CONSUMER REPORT. SHE REPLIED BACK AND SAID TAKE IT UP WITH THE CREDIT BUREAUS THEY ARE THE ONES REPORTING IT NOT THEM MEANING XXXX XXXX. I HAVE REACH OUT TO ALL THREE CREDIT BUREAUS AND THEY ARE CONTINUALLY REPORTING AS VERIFIED WHICH THEY ARE IN DIRECT VIOLATION OF THE FAIR CREDIT REPORTING ACT. ( XXXX XXXX # XXXX ) HAVE VIOLATED SEVERAL OF MY RIGHTS. 
15 USC 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 2023-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diverse Funding Associates LLC
State: NM

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have been disputing this card for over seven years. I told the company I never received the card and they had taken it off my credit reports. I just got in the mail a day ago that this account ended in XXXX and was sold to a third party DNF associate 's phone number is XXXX. I tried calling and did not talk to a representative. I have been having trouble for a long time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
On XX/XX/XXXX, a vender " XXXX '' attempted to refund a purchase of {$150.00} to my Wells Fargo Debit card. However, I had closed all my accounts with Wells Fargo in XXXX of XXXX. Rather than rejecting the refund, as apparently is Wells Fargo policy, Wells Fargo accepted the refund and " took '' the money from XXXX. I attach verification from XXXX that Wells Fargo accepted the refund. 

I reached out to Wells Fargo 6 times and received the following answers from various people : - " The money is floating around our system, and there's no way I can access it. '' - " It's impossible that the refund was accepted by our bank. '' - " I can not pull up your accounts because you closed them in XXXX. '' - " I can see the transaction, but we need to wait 2-3 business days for it to bounce back to XXXX. '' - " I can not even see the transaction on our end. XXXX  must be mistaken. '' I have reached out to XXXX multiple times, and each time they assure me they have not received the funds back from Wells Fargo. As far as I am concerned, Wells Fargo stole my money. 

Also, Wells Fargo repeatedly refused to communicate with me in writing. I was hung up on multiple times. I was told all my calls were recorded, but that I could not have access to those recordings. These practices reek of deception and deniability.

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 2023-06-24 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: Experian Information Solutions Inc.
State: FL

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.

The letters are stated with items and issues.

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 XXXX 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 explanation
Consumer complaint received 2023-06-23 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: PA

Complaint narrative:
So I have had a paypal account for a long time. For some reason last XXXX they said they were limiting my account permanently and that I would no longer be allowed to use paypal. They said they were limiting my account because I filed repeated unwarranted disputes but I only ever filed one dispute. So I appealed any they never got back to me like they said they would. Well I promptly forgot about it until today when I wanted to make an on-line purchase and the vendor only takes paypal. So I was not able to make the purchase. I called paypal and asked again, and they said they refused my appeal and my account will remain permanently limited. I am basically locked out of doing business with any company that uses paypal for it's payment processing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
NATIONAL CREDIT SYSTEMS , INC, a debt collector, has fraudulently stolen and used XXXX XXXX XXXX 'S personal identifying information ; Social Security Number, address, phone number, etc. without any consent given. This is a violation of the Fair Debt Collection Practices Act 805 ( b ) - Without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgement judicial remedy, a debt collector may not communicate, in connection with the collection of any debt ... ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
The United States Bankruptcy Court does not release any information to the credit bureaus and is not responsible for verifying information or validating information from consumer credit files. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) my rights are being violated under the law. Remove this bankruptcy immediately.

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 2023-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title.

Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 


15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
The inquiry was not authorized XXXX Date of inquiry : XX/XX/ Please remove it from my credit report. 

The inquiry was not authorized XXXX Date of inquiry : XX/XX/ Please remove it 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 non-monetary relief
Consumer complaint received 2023-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hello there, i believe i am the victim of identity theft. My ssn was used in numerious inquiries that i never authorized. Please help me to remove the inquiries and protect my identity.

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 2023-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: DISCOVER BANK
State: TX

Complaint narrative:
I hired XXXX XXXX 's Attorney at XXXX on XX/XX/XXXX to handle a guardianship case attorney at law onXX/XX/XXXX using my discover card first charge {$1700.00}. this went through fine on XX/XX/XXXX I charge XXXX with my discover card after I did not get what I paid for from the Attorney XXXX XXXX I disputed her payment of {$1500.00} with discover this amount was placed back to my card as a temp. after my attorney agreed to file the necessary documents I called discover and had them to stop the dispute, I was charged {$1500.00} on my card again.. the Attorney office did not get the {$11000.00} back to there account I called several times getting different answers once with the attorney on the line she dropped the case and placed a lien on my case for {$1500.00} because Discover told us 3 to 5 days she would get the funds bank the 10 days she would get the funds back and the last call to discover we was told that the money was hung up in the merchant department of discover, today isXX/XX/XXXX and several calls later no attorney no {$1500.00} I would like to know where the {$1500.00} is and why the attorney never got it. I have to hire a different attorney now do to the missing {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
My credit report alerted me about debt collection, this account is not mine, identity theft most likely. 
Company name Genesis credit management Original creditor XXXX XXXXXXXX XXXX XXXXXXXX ( rental/leasing ) XXXX XXXX XXXX Mail XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone ( XXXX ) XXXX PATE OPENED XX/XX/2023 AMOUNT {$65000.00} XXXX CONTACTED XXXX DIRECTLY. THEY STATED I NEEDED TO FILE A COMPLAINT AND FOLLOW THEIR PROCESS.

Company response to consumer: Closed with explanation