vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-18 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: FL

Complaint narrative:
Account Name : XXXX XXXX XXXX Amount : {$6800.00} XXXX5 USC 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 account without my 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 2022-07-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I have multiple inquiries on my XXXX XXXX that I did not do. I have tried to reach XXXX XXXX and multiple companies to have these taken off. Both of my bank accounts were hacked ( I have went to banks on both of these and they are being handled ) so I know my account was hacked. 
I need these inquiries taken off. 
From dates : XXXX, XX/XX/22 XXXX XX/XX/22, XX/XX/22, XX/XX/22 : XXXX XX/XX/22 : 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 2022-07-18 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

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 2022-07-18 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: Capio Partners, LLC
State: PA

Complaint narrative:
In accordance with a Fair credit reporting act [ CAPIO ACCOUNT # XXXX has violated my rights. 
XXXX XXXX XXXX  ACCOUNT # XXXX has violated my rights. 
[ XXXX XXXX ACCOUNT # XXXX 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 an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-18 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

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 2022-07-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
Marcus by Goldman Sachs, wouldn't issue a charge back to ACH transactions that were initiated based on fraudulent marketing tactics by XXXX. 
Marcus denied my case as soon as I submitted the ACH dispute. They repeatedly told me many times that they don't need any documentation to investigate my claim! I had to put in the claim about 4 times, and called multiple times to ask them to actually investigate the dispute properly! I finally was able to get them not to deny the dispute before I send my documentation in. I sent Marcus a lot of documentation involving the deceptive techniques used by XXXX, along with all the complaints I submitted to multiple government agencies. Even then, it still didn't matter and the dispute was denied. I called in to ask for my legal right to receive a copy of the documents that they based their decision on. I received a call telling me that there is no documentation to share and that the decision was made internally and involved their legal counsel! I had to negotiate my legal right with them over the phone, and then received a denial letter again stating that the ACH was authorized, hence they won't help me! 
When I mentioned the Electronic Fund Transfer Act ( EFTA ) and Regulation E, Marcus reps told me that it does not apply to my situation. After reviewing your website under Q1 of the Error Resolution : Unauthorized EFTs, titled What is an unauthorized ETF, I find that my dispute should be covered by Comment 2 ( m ) -3 ; specifically, " This exclusion does not apply to transfers initiated by a person who obtained a consumers access device through fraud or robbery ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
Venmo charged a 1.9 % fee plus XXXX cents for a transfer from my kids marching band member because the XXXX ( who is probably not legally old enough to have an account ) incorrectly chose purchasing a service option when they made the transfer. Rather than correcting the problem on their end ( which is ridiculous since theyre the ones pocketing the fee ), Venmo insisted that I must reach out to the kid to untag his transfer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Jefferson Capital Systems , LLC for a number of federal violations. I have never given Jefferson Capital Systems , LLC any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have never received any documentation requesting validation from Jefferson Capital Systems , LLC before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Jefferson Capital Systems , LLC can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me ( the consumer ) prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Jefferson Capital Systems , LLC can provide me with sufficient documentary evidence that I have any legal obligation to pay them such as a trilateral contract. If this documentary evidence can not be produced and Jefferson Capital Systems , LLC continues its collection efforts, I will file for litigation for actual damages caused and Jefferson Capital Systems , LLC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 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: Convergent Resources, Inc.
State: PA

Complaint narrative:
In accordance with a Fair credit reporting act [ XXXX ACCOUNT # XXXX has violated my rights. 
[ CONVERGENT OUTSOURCING ACCOUNT # XXXX has violated my rights. 
[ CONVERGENT OUTSOURCING ACCOUNT # XXXX 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 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 explanation
Consumer complaint received 2022-07-18 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: GA

Complaint narrative:
XXXX, XXXX and TransUnion have all failed to update my XXXX XXXX XXXX XXXX, XXXX  credit card account monthly as required by law under the Fair Credit Reporting Act. This gross negligence on behalf the three major credit bureaus has adversely impacted my credit score and my financial health.

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 2022-07-18 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX, Experian and XXXX have all failed to update my XXXX XXXX XXXX XXXXXXXX XXXX credit card account monthly as required by law under the Fair Credit Reporting Act. This gross negligence on behalf the three major credit bureaus has adversely impacted my credit score and my financial health.

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 2022-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I applied for a Citi AAdvantage MileUp card and was approved. I tried to use my card and the transaction was declined. I called and I was told they couldn't verify me on the phone and had to send me a letter at my home. I wait for the letter and received it on XX/XX/2022. I called the number, provide the code on the letter and I was told the account is good to go. I try to make another purchase today on XX/XX/2022 and the account is blocked again. I called in and I was asked for the previous letter. I explained I called on XX/XX/2022 and my account was unlocked. I spoke with XXXX in Executive Response Unit and I was told she could not help. I was hung up on and I had to call again. I asked for my account to be closed because this is ridiculous and I was told she couldn't do that either. So now I'm trying to speak with somebody to get this block lifted. I've had this card for a month and I haven't been able to use it. Citi has me stuck in a cycle of purchase something, card declined, call in, told I have to wait for a letter, call when I receive the letter, account unblocked, try to charge something, same process. So in essence Citi did a hard pull on my credit, gave me a credit card, and is not allowing me to use it. I'm contacting the XXXX  Attorney and my congresswoman because this is ridiculous.

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 2022-07-18 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN ADJUSTMENT BUREAU,INC.
State: CT

Complaint narrative:
XXXX XXXX is charging me {$190.00} because I saw a XXXX  outside the hospital. I was never notified before hand that there was going to be this charge. I knew the charge to be {$200.00} for an office visit but I was never told that there would be a charge of {$190.00} because I was seeing the XXXX off campus. I have sent them numerous coorespondence that I refuse to pay this and I have now been contacted by a collection agency American Adjustment Bureau. Please see attached.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 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: FL

Complaint narrative:
Account Name : XXXX XXXX XXXX Amount : {$6800.00} 15 USC 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 account without my 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 2022-07-18 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: FL

Complaint narrative:
Account Name : XXXX XXXX XXXX Amount : {$6800.00} 15 USC 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 account without my instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
XX/XX/22 Received written notification of attempt to collect debt from Transworld Systems INC on behalf of XXXX XXXX. This was mailed to my home address. 
To my knowledge, there were no outstanding charges on my account with XXXX XXXX XXXX XXXX I had not received any invoices or statements. 

XX/XX/22 Called per notice to dispute debt. Left voicemail. 

XX/XX/22 Called again, spoke with Customer Service representative XXXX. Requested documentation of debt so I could verify dates of service, payments made by myself & insurance company. 

XX/XX/22 ( dated XX/XX/22 ) Mailed letter of dispute of charges. Again requested documentation of debt. 

XX/XX/22 Called again because I had not received any response. Left message. 

XX/XX/22 Called XXXX XXXX XXXX XXXX XXXX ) billing department & left a message requesting documentation of dates of service, charges & payments. No response to date. 

XX/XX/22 Received a call from XXXX XXXX with TSI informing me that the account had been turned over to their Insurance Department for investigation. I asked to speak with investigator & was told that person would be able to see notes in system. 

XX/XX/22 Sent letter detailing my attempts to resolve issue & again requesting documentation so I could research the dates of service & charges. 

XX/XX/22 Filing complaint with CFPB. As of this date, I have not received anything other than the initial collection letter, despite repeated requests for documentation of the disputed debt. There has been no contact from TSI via phone or email regarding this disputed debt. 

It is impossible to research the claim of debt without a detailed list of dates of service & charges. I have no way to verify payments made by me or my insurance company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 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: TN

Complaint narrative:
In Accordance with the Fair Credit Reporting Act XXXX Accounts XXXX XXXX L Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX  Account number XXXXXXXX XXXX XXXX XXXX Account number XXXX XXXX XXXXXXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX  Account number 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. The listed above accounts have violated my rights and tarnished my credit history, these fraudulent accounts have been added to my credit report. I tried reaching out to the fraudulent accounts and as a result nothing has been done but they keep reporting negatively.

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 2022-07-18 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: EQUIFAX, INC.
State: OK

Complaint narrative:
I have multiple inquiries on my XXXX XXXX  that I did not do. I have tried to reach XXXX XXXX  and multiple companies to have these taken off. Both of my bank accounts were hacked ( I have went to banks on both of these and they are being handled ) so I know my account was hacked. 
I need these inquiries taken off. 
From dates : XXXX, XX/XX/22 XXXX XX/XX/22, XX/XX/22, XX/XX/22 : XXXX XX/XX/22 : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
Lowe 's Credit Card issued through Synchrony Bank began charging me for " Card Security '' without my knowledge beginning XX/XX/2022. 

XX/XX/2022 CARD SECURITY XXXX XXXX XXXX XXXX {$67.00} XX/XX/2022 CARD SECURITY XXXX XXXX XXXX XXXX {$69.00} XX/XX/2022 CARD SECURITY XXXX XXXX XXXX XXXX {$67.00} XX/XX/2022 CARD SECURITY XXXX XXXX XXXX XXXX {$66.00} XX/XX/2022 CARD SECURITY XXXX XXXX XXXX XXXX {$65.00} XX/XX/2022 CARD SECURITY XXXX XXXX XXXX XXXX {$64.00} XX/XX/2022 CARD SECURITY XXXX XXXX XXXX XXXX {$64.00}

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 monetary relief
Consumer complaint received 2022-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
On XX/XX/2022 I recieved an updated copy of my credit report from Transunion. There is still inaccurate information on my credit report. In accordance with the Fair Credit Reporting act. This account 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. These names are not suppose to be on my credit report : XXXX XXXX XXXX. Law 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

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 2022-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I deposited a check on XX/XX/2022 and it was a five day hold because my account is new. I received a notice of the delay funds availability saying that on XX/XX/2022 to the six business day after the date of your deposit will be available to you to use. Today is XX/XX/2022 and my phones are not made available to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 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: IL

Complaint narrative:
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 an account without my written instructions. 

XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation