vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-18 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: MI

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 : USDOE/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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Whereas TU is TransUnion, XXXX is XXXX, XXXX is XXXX 15 U.S.C. 1681 Section 602 A states I have the right to privacy 15 U.S.C. 1681 Section 604 Section 2 states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) 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 ) states a person shall not furnish any information relating to a 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 2023-03-18 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: MI

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 : USDOEXXXX 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 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 XXXXXXXX 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 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  ; Whereas TU is XXXX, XXXX is Experian, XXXX is XXXX 15 U.S.C. 1681 Section 602 A states I have the right to privacy 15 U.S.C. 1681 Section 604 Section 2 states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) 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 ) states a person shall not furnish any information relating to a 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 2023-03-18 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: DISCOVER BANK
State: OH

Complaint narrative:
I had a fraud case with a company called XXXX an e-commerce platform after I asked discover to block all transactions ( about a year ago ) Then i suddenly get a charge of $ XXXX {$5000.00} more than my credit limit. 

I reached out and they gave me a temporary credit and even issues a partial refund in the amount of XXXX, but then they came back and said it wasnt fraud ( even though I had no access to that website )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Real Time Group, Inc.
State: MA

Complaint narrative:
Sometime between XXXX and XXXX XXXX Real Time was hired by XXXX as XXXX 's agent to collect an alleged, contested mortgage debt. In discussions with Real Time as in addition to supplying Real Time supporting documentation, Real Time ceased collection attempts. ( I did a get a form letter each year about debtor rights in truth I get these from credit card and banks I haven't any relationship, so these did ) In XXXX Real Time advised these matters were transferred to XXXX XXXX XXXX 

Issue one - Apparently Real Time did not vet, verify or question the collection and files XXXX transferred Issue two -Apparently the documents supplied to Real Time ( in house lawyer, ) all I remember is the lawyer was female, friendly and understanding, she understood the issues presented, appeared to have NOT passed on to XXXX or XXXX XXXX XXXX Issue three- IF Real Time did pass along to their client XXXX and / Or XXXX, current events suggest neither XXXX or XXXX XXXX XXXX were received these documents or records of conversations Real Time had a responsibility to have kept and passed along to their client and successor. 

If Real Time failed at their responsibilities to Me, XXXX and XXXX each and all then Real Time has brought upon me financial, emotional and legal harms, Past, Present and now Future as such Real Time need be held accountable. 

REAL TIME, XXXX AND XXXX ARE IN POSSESION OF DOCUMENTS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 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: CT

Complaint narrative:
To whom it may concern : I received a copy of my credit report with the intention of trying to take care of my responsibilities and noticed an account that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am saying that I am not 100 % sure if they are. I read in the FCRA that it said by law, I had the right to challenge anything I am not sure is accurate.

According to 15 USC sec 1781i ( a ) : if you can't provide proof, the account must be deleted. I want to have the account deleted if it's not 100 % accurate. Could you check on this and get back to me? I saw on a credit site and board, the lawyer said you have 30 days to complete this investigation. Please investigate the following account and remove it if anything is missing or not correct on it. 

XXXX XXXX XXXX. # XXXX This account has been verified, however, the original creditor said that they don't have this information, so how are you truly verifying this account? I will have to pursue legal counsel if this is the case. 

Also, please let me know who had access to my file as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 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: CT

Complaint narrative:
To whom it may concern : I received a copy of my credit report with the intention of trying to take care of my responsibilities and noticed an account that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am saying that I am not 100 % sure if they are. I read in the FCRA that it said by law, I had the right to challenge anything I am not sure is accurate. 

According to 15 USC sec 1781i ( a ) : if you can't provide proof, the account must be deleted. I want to have the account deleted if it's not 100 % accurate. Could you check on this and get back to me? I saw on a credit site and board, the lawyer said you have 30 days to complete this investigation. Please investigate the following account and remove it if anything is missing or not correct on it. 

XXXX XXXX XXXX. # XXXX This account has been verified, however, the original creditor said that they don't have this information, so how are you truly verifying this account? I will have to pursue legal counsel if this is the case. 

Also, please let me know who had access to my file as well.

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 2023-03-18 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX, doesnt even own the account anymore. So why are they reporting on my credit. I paid XXXX the payment and the company told me the would delete the account off of my report XXXX XXXX XXXX told me me if I settle the debt they will delete the account off my credit. I paid the account but transunion keeps verifying that it is correct reported. I sent them in the documents from the company put the still refused to remove it off my report. 
I have attached a copy of the settlement paperwork

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 2023-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc.
State: GA

Complaint narrative:
I have requested several times from this company verification that I owe this debt and they have failed to provide it. They continue to call me and they continue to file it every month as a new debt damaging my credit. They claim this is a debt from a rental property where the lease was terminated by the rental company and they were paid in full prior to me moving out. I advised the collections company of this and they refused to request documents from the rental company to verify no debt is owed and failed to provide me proof of debt.

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 2023-03-18 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: LEXISNEXIS
State: LA

Complaint narrative:
Ive attached the exact letter I sent to Lexus nexus, describing the issue. Enclosed is also my license and current utility bill to verify my identity. Thank You.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: IN

Complaint narrative:
On XXXX, XXXXXXXX XXXXXXXX transactions were falsely made without my permission or control using pnc bank this had caused me to owe them an ureasonable amount of debt of XXXX that has been sold to a 3rd party

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 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:
Equifax is supposed to remove all medical debts under {$500.00}. Unfortunately they are refusing to follow thru with this policy. I've contacted them countless times regarding this, and they refuse to make it right. I've had people on the phone with zero skills simply just tell me no or walk away from the phone. I've had difficulty getting escalated to a supervisor. It's been over an hour waiting for a supervisor today. 

I've submitted countless disputes thru equifax.com The debt in question is reported by XXXX XXXX XXXX XXXX. XXXX has failed to provide a proper debt validation after multiple times contacting them. Their debt validation doesn't comply with XXXX XXXX The company has since began to refuse to speak with me regarding my debt. 

That's XXXX big reasons why Equifax needs to remove this account from my credit report. I'm preparing to file a lawsuit in the event this complaint doesn't get me a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/23 I noticed unauthorized withdrawals from my CHASE checking and savings account in Michigan ( I live in NY ). these occurred on XX/XX/23 & XX/XX/23. When I reported it I asked why I was not notified of unusual withdrawals ( over 10 cash machine withdrawals a day over 2 days at different locations as well as fraudulent XXXX XXXX  purchases ) they claimed a verification was sent by text, i asked what phone # and it was not my #. when i looked the phone # up it was a Michigan # that had since been disconnected. the bank told me that the # had been added to my account days prior to the theft. 
CHASE bank has " tentatively '' ( pending investigation ) returned my checking money ( {$1000.00} ) but has Denied the money taken from my savings account ( {$2100.00} ). 
my wife and I rarely ever use a cash machine and never use our debit cards.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Dave Operating, LLC
State: TX

Complaint narrative:
I went to get a room 4 a month walked in had XXXX XXXX  min later I was told I had no money at the XXXX XXXX and next I checked ledger and i had exactly XXXX in my acct I went back in they said they never received the money but they gave me the printouts Dave Banking app has Hi dered every movement I have by keeping my money from me I am XXXX and I am XXXX now homeless on streets XXXX Texas without XXXX of mine till the XXXX of next month 2nd I lost it it's still pending

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
HI 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 explanation
Consumer complaint received 2023-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION
State: NH

Complaint narrative:
Between XXXX and XXXX I needed loans for two private schools I had attended. Sallie Mae offered me loans, telling me they had plenty of deferment and repayment options. A few years went by in which I was in school. Little did I know that while I was in school interest continued to accrue the entire time. I was worried about passing my classes and didnt have any mail or logins to access that information. For the past few years ( XXXX ) have repeatedly asked for income driven repayment or to pause payment for being unemployed or other reasons for a month or two. Every time I am told that forbearance is the only option possible. I pay the minimum and my loans go up or stay the same because of interest. On my credit report, sallie Mae has reported that they are current but 0 % paid off even though Ive been paying them almost {$1000.00} per month for many months. I was laid off in early XX/XX/XXXX and have struggled to make the payments for the last few months, pulling from my life savings. I just asked for the umpteenth time on XX/XX/XXXX if I could either do income driven repayment, if I could push this months loan payment to the end of the loan, or literally any option so that it doesnt hit my credit. I was told multiple times that forbearance is the ONLY option. This is in a written chat transcript I have. My loan payment is due on the XXXX of the month, and I can not pay it and have a place to live. This is greatly affecting my credit as well as my quality of life since I cant afford the loan payments and rent and everything else. Im making decent money and barely scraping by. 
Sallie Mae literally just says forbearance or I will get constant daily harassing phone calls until I pay. My co-signers have also had their credit affected and get the same calls constantly. Ive asked about removing my co-signers as well since I had been able to make about a dozen on time payments. They told me I could not do that, it wasnt an option. This has caused a lot of tension and problems between me and my co-signers.it has hit my credit a few times as well a few years ago which dropped my score drastically. Please let me know what I can do and where to go from here. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
In XXXX of XXXX I had my debit card stolen when I contacted chase they kept my account overdrawn from the left then resent me a new debit card with the same number on it. I could not use the card. I then talked to someone about canceling my account. I was told I would then be receiving a paper check in the mail. Had to verify my address and everything. It is now XXXX of XXXX. Every month I have received emails that the balance was going down. Every month I called and would have to verify my address all over again. I have now received an email that I have XXXX $ ( was XXXX $ ) in the account that I had closed back in XXXX of XXXX. Today I was told they closed my debit card not my bank account and have been charging me monthly fees to keep it open. I have verified this account was closed every month. They have stolen almost XXXX $ from me and still have not closed the account. I do not live near a chase bank so I am unable to go down to the branch myself. Today I was told they would investigate but it could take a few more weeks. Of which I will be charged AGAIN the monthly fee on my account I closed in XXXX of XXXX. Why close my debit card not my account. They are stealing from me and blamed me for their mistake while refusing to fix it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-18 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: IL

Complaint narrative:
In late XXXX  I recieved two vanilla gift cards as a gift - one of them suddenly stopped working with ~ {$80.00} remaining in balance. After at least 10 attempts to get ahold of the company through their customer service phone number, email, and social media pages - I was not once able to get ahold of anyone ... spending hours of my time in an attempt to get in contact with anyone at all that could help resolve the situation. 

At this point, after the time spent, with a seemingly non-existent customer service team- i can not continue to try to resolve this on my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Receive my payroll deposit on XX/XX/16 electronic deposit and there is an alert on my account that said can not access funds please call this number. I have called numerous times and it never goes to a representative but to a voicemail. I have left multiple voicemails and have sent numerous emails and still no response back. I am a single mother and need access to my funds.

Company response to consumer: Closed with monetary relief