vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-17 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: SC

Complaint narrative:
This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

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. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REMOVE THIS IDENTITY THEFT ACCOUNTS ASAP !!!

I will never stop filing complaints against you because I know my rights!

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

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

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.

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 2023-08-17 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: SC

Complaint narrative:
This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

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. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REMOVE THIS IDENTITY THEFT ACCOUNTS ASAP !!!

I will never stop filing complaints against you because I know my rights!

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

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

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.

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 2023-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
I recently made a deposit into my business account and waited for the deposit to clear. The deposit has cleared and US Bank is refusing to allow me access to my funds. Ive called multiple times trying to figure out the reason but they are not giving me any clarity on the situation. Ive spoken to XXXX from the US Bank Online Banking department and have asked multiple times to speak with a manager but to no avail. Why can US Bank restrict me access to my accounts for no reason? I have been on the phone for the past few hours and getting no information to help me solve this problem! I have received no type of corresponds informing me of anything that is happening.

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 2023-08-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I applied for an an apartment and received a denial and adverse action letter for a rental collection that was placed on my credit report without my knowledge or consent from a collection agency named XXXX in the amount of $ XXXX is illegal to place debt on someones credit file that is invalid. I have never lived at this property nor have an address attached to it. I filed a police report for identity theft and have proof of it attached. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens, ( mo ) ( 281 SW 715, 719 ), I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. Please have this removed 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 2023-08-17 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: TX

Complaint narrative:
I applied for an an apartment and received a denial and adverse action letter for a rental collection that was placed on my credit report without my knowledge or consent from a collection agency named XXXX in the amount of $ XXXX is illegal to place debt on someones credit file that is invalid. I have never lived at this property nor have an address attached to it. I filed a police report for identity theft and have proof of it attached. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens, ( mo ) ( 281 SW 715, 719 ), I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. Please have this removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
on XX/XX/2023 there was a {$90.00} payment sent via PayPal. on XX/XX/2023 the {$90.00} was successfully sent to paypal. a refund was granted via the entity receiving the funds. the refund was issued the same day. my bank received notification of an ACH transfer of {$90.00}, but the payment never processed. my bank clarified that it was just a notification and not an actual payment and advised that i contact paypal. when i called paypal XX/XX/2023, the agent advised me the refund was sent to my bank and would take 3-5 business days to post. this was in direct conflict with what the bank advised me. i was able to once again call PayPal on XX/XX/2023 to obtain the trace number of the ach payment i was advised of by PayPal on XX/XX/2023 to confirm that the payment indeed was sent. i was then advised that PayPaXXXX had not sent my refund and they would not be sending the payment until friday XX/XX/2023 at the earliest and that this was not definitive. the representative stated this was because paypal hadnt yet received the money for the initial payment. i advised that the monies were successfully sent and i advised the rep that i could provide the transaction details if they needed help locating the payment. the rep did not resolve my issue, and began over talking me and taking a sarcastic tone and would tell me how to escalate my issue or how to submit a complete regard paypal and the behavior of the representative from XX/XX/2023. i would like money and i need someone to listen to the call from XX/XX/2023. the call was stomach churning and entirely unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
On, or about, XX/XX/2023, I was notified by Capital One, via email, that both my checking ( account ending in XXXX ) and savings account were to immediately have withdraws from the accounts frozen. There was absolutely no explanation as to why Capital One decided to take this action, which is understandable given that the notification was by email. 

I immediately called the support number ( XXXX ) that appeared on the web portal, along with a message reiterating that my accounts had withdraws frozen. After entering my information into the validation portion of the automated phone response, I was prompted to " leave a voicemail to be reviewed and the support center will determine if a return call it warranted ''. How can this be an appropriate response to locking someone out of their funds?

Never-the-less, I left a voicemail and waited for two weeks with no response. In the first week of XX/XX/2023, I decided to continuous call different Capital One support numbers until I finally reached a representative that could see details as to why Capital One decided to freeze my accounts. This representative kept reiterating that she could not tell me anything other than that Capital One decided to freeze my accounts and that I am never allowed to open another account with them. There was no explanation as to how long my accounts would be frozen and even any detail as to why this happened. 

The next day I decided to call the same number again, hoping to reach an actually helpful representative. This time, the representative told me that Capital One was investigating my checking account and would close my savings account and send me a check with the remaining amount. Still, I was not given any explanation as to why this happened or how long I would be locked out of my funds. I was told, however, that someone would call within the week to give me details about what is happening and why. Needless to say, I never received this call. 

In the first week of XXXX I decided to call the same number to get an update in regards to this call I was supposed to receive. Again, the representative told me nothing in regards to why this happened or how long it would take. The representative told me that they would definitely be calling within two weeks with a call regarding what is happening and why. 

It's now XX/XX/2023 and I have not had access to my funds ( {$6700.00} ) since XXXX. I have still not received any explanation as to why this happened. How can Capital One legally be allowed to immediately freeze an account with XXXX  XXXX dollars and still not give any explanation. This is absolutely absurd.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: BCA Financial Services, Inc.
State: NJ

Complaint narrative:
At XXXX XXXX  EST I received a call from " XXXX '' who identified themselves as being from BCA financial services. They said they were looking for me for some information about my XXXX year old son Believing I was being contacted by a debt collector I asked XXXX if they were a debt collector and informed them that they were legally obligated to tell me if they were. They refused and told me they could only discuss further if I was willing to " verify '' ( this is neither legal nor the case ) I refused to provide the information they asked and so the phone call ended I called the office back at XXXX XXXX  on a recorded line and explained to the person on the phone what happened and that it was illegal. The person who received my call also refused to say whether or not they were a debt collector and repeated the statement that I needed to " verify '' for them to discuss further. I verified my name and birthday which they said was incorrect ( its not incorrect I'm just not the person they're trying to collect a debt from ) I asked again on the recorded line if they were a debt collector and they refused to answer

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 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: KY

Complaint narrative:
Accounts above listed has violated my rights. 
XXXX XXXX XXXX  Last reported XX/XX/XXXX XXXX  XXXX XXXX  Last reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Last reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Last reported XX/XX/XXXX XXXX XXXX Last reported XX/XX/XXXX 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.

Accounts above listed 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 account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
This account was disputed on XX/XX/XXXX with the CFPB and deleted from my credit report on XX/XX/XXXX due to it being a result of fraud identity theft. The dispute result stated that item would not be reported by the reporting agency I.C. System, Inc, however, the same agency reported the item on XX/XX/XXXX three months later, violating the agreement and going against the ruling of the CFPB. 

This account was re-reported to my credit report on XX/XX/XXXX. As a result I was denied on my rental application the same day that I applied which was XX/XX/XXXX. At this point this account has caused enough problems after Ive already proven that it is not mine. 

This account and debt do NOT belong to me and are a result of identity theft! There are many inaccuracies in the information on the account in question. My name, the account was used at an address that I have never lived in or been associated with, the email address on file does not belong to me, and I have not physically lived in XXXX or rented or owned an apartment or home since XXXX. I have NEVER had any services with 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 2023-08-17 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:
I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers and this has caused big stress in my life. The most recent certified letter I sent was XX/XX/2023 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. 

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 account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
I have a lot call from portfolio recovery regarding old XXXX account I have made a report on them before I got them off my report I have try to settle with them they have refused every time I would like them off all my credit report but they would call every day and night

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 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: NJ

Complaint narrative:
XXXX XXXX, XXXX and exqufax have been reporting late payment on my report without consent for my privacy. 
( No law states that a transaction needs to be report ) Especially unknowingly. 
15 US code 1666b Timing of Payments

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 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: NJ

Complaint narrative:
XXXX XXXX, Experian and XXXX have been reporting late payment on my report without consent for my privacy. 
( No law states that a transaction needs to be report ) Especially unknowingly. 
15 US code 1666b Timing of Payments

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 2023-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I have never received any documentation from CCS providing me with information about consumer protections. I never received any communication from them informing me that I had a right to dispute the debt they were contacting me about, nor did they provide a mailing address at which they accepted disputes and requests for original creditor information. 

I also sent two certified letters to The CCS Companies at XXXX XXXX XXXX XXXX, MA XXXX and to The CCS Companies XXXX XXXX XXXX XXXX, MA XXXX, requesting the following and never received a reply : The account number or a truncated version of the same for the original creditor A valid itemization date - as defined by The Rule as the date of the last periodic statement or written account statement or invoice provided to the consumer by the creditor ; the charge-off date ; the last payment date ; the transaction date ; or the judgment date. 
An itemization of the debt from the itemization date forward Verification and documentation that there is a valid basis for claiming that I am required to pay the debt to your creditor-client. For example, can you provide a copy of the written agreement that created my original requirement to pay? 

A copy of the last billing statement sent to me by your creditor-client. 

State the amount of the debt when you obtained it, and when that was. 

If there have been any additional interest, fees or charges added since the last billing statement from your creditor-client, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. 
If there have been any payments or other reductions since the last billing statement from your creditor-client, provide an itemization showing the dates and amount of each of them. 

If there have been any other changes or adjustments since the last billing statement your creditor-client please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. 

Tell me when your creditor-client claims this debt became due and when it became delinquent. 

Identify the date of the last payment made on this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 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: FL

Complaint narrative:
I have fallen victim to identity theft, resulting in a violation of my rights as outlined in 15 USC 1681c-2 and 15 USC 1681b . I kindly request the immediate removal of the following account.

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