vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
Portfolio Recovery Associates Account : ending in XXXX for {$480.00}. 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. 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 In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C. I am not liable for this debt with Portfolio Recovery Associates and do not have a contract with Portfolio Recovery Associates They did not provide me with the original contract/application as I requested. This company has affected my lively hood with this derogatory reporting and has caused a hardship on my personal and professional life. I have submitted several disputes and Portfolio Recovery Associates continues to report negative information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-11 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: Chime Financial Inc
State: KY

Complaint narrative:
I use the Chime credit card to receive my direct deposit paycheck every week. On XX/XX/XXXX while at work i got several chime notifications that my chime card was being used in Tennessee for {$75.00}, then {$170.00}, and another {$170.00} at XXXX. I immediately got on the chime app and locked my card, but they still let another {$75.00} charge come through. My fraudulent charges were totaling over {$400.00} at this point. I called chime and they said they could only refund the {$75.00} charge that was allowed through while my card was locked. They said for the other {$350.00} I have to wait until it is out of pending to dispute. On XX/XX/XXXX when charges were fully posted I contacted chime again, told them I had opened the dispute already for the charges, to which they said my case will be closed on XX/XX/XXXX, several months from now. I said that is a ridiculous amount of time to wait for my stolen money to be refunded, to which they said they XXXX be able to issue me a temporary provisional credit to cover the charges on XX/XX/XXXX. The supervisor says that she can not personally issue the credit, no one can, that it is all done on an automated system. I asked if I could speak to the fraud department investigating the charges and each time I called the supervisor always says no they dont have contact with them at all, no email or phone number can be given. It is not right that my money was stolen from me in a different state and I can not even be issued a provisional credit. I am out {$350.00} still. They also would not send me an email transcription showing each time I call or any type of paper trail about my complaints.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Unified Global Solutions LLC
State: TX

Complaint narrative:
Unified Global Solutions LLC contacted me through email on XX/XX/23, stating this : Our Internal Control Number : XXXX Original Creditor : XXXX XXXX Total Balance Due : {$1100.00} Hello We have made several attempts to reach you regarding the above mentioned business matter. This account will be listed as a direct refusal to cooperate if suitable arrangements are not made. A decision will be made on your behalf and may also reflect as derogatory on your Credit Report. The issuer does reserve the right to litigate on this account via the contract you have signed. We are willing to work with you if you are unable to pay the balance in full if your account is approved for hardship. You can contact us by phone or email displayed below to make arrangements to avoid possible legal action. 
Regards, Unified Global Solutions, LLC XXXX XXXX They said that they have contacted me several times, but this was the first time I was contacted. I replied to their email stating I was like to see if I can qualify for a hardship. They called me, left a voice mail, about setting up a hardship. I emailed them back asking them to please MAIL me information about their company and my XXXX XXXX account. They replied and said that I could contact XXXX XXXX to ask for that information and that XXXX XXXX would tell me who the gave my account to, to collect the debt. XXXX XXXX states that Structed Settlement is who should have my account. 

I've emailed them 3 times since then, asking for more information and that a debt validation letter please be mailed to me, but I have not received anything. 

A women has been calling me, leaving voice mails, her name is XXXX XXXX, but she doesn't say what company she it with, but she does reference the hardship I asked about in her messages. She has also called family members and left messages saying she is going to file paper work at the courthouse if I don't respond. The number she wants me to call is XXXX. 

All I want is for them to mail me a debt validation notice so I know this is a legitimate debt collector before I pay anyone any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 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: NY

Complaint narrative:
I disputed some inaccuracies and unclear items on my credit report in a letter, and more than 60 days later, I haven't heard back. I feel victimized and my complaints are being disregarded. I expect the immediate deletion of these accounts. I won't wait another 50 days.

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 2023-04-11 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: PA

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 XXXX XXXX XXXX. XXXX XXXX XXXX # XXXX has violated my rights XXXX XXXX XXXX XXXX # XXXX has violated my rights, XXXX XXXX # XXXX has violated my rights, XXXX XXXX # XXXX has violated my rights, XXXX XXXX # XXXX has violated my rights, XXXX XXXX XXXX # XXXX has violated my rights, XXXX XXXX # 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 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 or 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 explanation
Consumer complaint received 2023-04-11 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:
They reporting an account from XXXXXXXX XXXX XXXX which is against the law. They do not have permissible purpose nor do they a court order to be reporting anything to my report. I never done business with them nor do they have any sign applications from me. This is a form of identity theft on their behalf.

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 2023-04-11 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: CA

Complaint narrative:
PLEASE BLOCK AND REMOVE THE FOLLOWING ACCOUNTS AND INQUIRIES.

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 2023-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: CA

Complaint narrative:
I have 3 collections that were opened Fraudulently. 

XXXX. PROCOLLECT , INC for {$680.00} Original creditor is XXXX XXXX, account was opened XX/XX/XXXX Contact Info : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX : XXXX XXXX. PROCOLLECT , INC for {$440.00} Original Creditor is XXXX XXXX, account was opened XX/XX/XXXX Contact Info : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX : XXXX XXXX. XXXX XXXX for {$500.00}, account was opened on XX/XX/XXXX Account number : XXXX Contact Info : ( XXXX ) XXXX XXXX XXXX XXXX, XXXX, TX 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 2023-04-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. 
XXXX XXXX XXXX : {$0.00}

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 non-monetary relief
Consumer complaint received 2023-04-11 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: MA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 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: General Motors Financial Company, Inc.
State: WI

Complaint narrative:
There are two hard credit inquiries from GM financial in XX/XX/2022 for the same loan. XXXX there be just one?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
We have always paid our CC early with the company Barclay Have been with this company for over 5 years XX/XX/2018 Always in Great Standing Never ever late EVER.. 
Always pay more then is due.. 
Credit limit was {$10000.00} recently, due to health conditions, I was laid off a job and taking care of health concerns! Due to lower income have used if your credit cards about 40 % But never late on any of them We currently listed our house for sale to downsize and its in escrow Barclay chose to lower our limit to XXXX and financially harm us in the buying of a new home, based on how usage of other cards not even their own Other cards that weve never been late on And have no collections are negative reporting whatsoever We have only Utilized 10 % or less most of the time With barclay! 
Yet they lowered our limit to {$1600.00} financially harming us while buying a new home They said it was due to high credit usage on other cards .. from credit report While selling our home and getting ready to move to smaller one to adjust our lives We noticed our credit score dropping 40+ points due to Barclay lower our limit Afraid we would do the same to them Although we never have in 5 years.. 
My husband still makes over XXXX year with his good job. 
Pays All the bills ON TIME When calling they Were made aware of the harm Their unethical actions caused us I spoke first with agent at portfolio unit name XXXX he said he could fix this but would have a manager reach out to me Then A mgr named XXXX called me To say sorry I could reverse this but wont Even knowing the harm they were causing us .. she was still unwilling to fix this! 
Said sorry And thats it! When I told her we would be contacting the CFPB To file a report and claim, she said she didnt care .. like CFPB doesnt help people, when I know they always have been a great support to us over the years

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 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: PA

Complaint narrative:
There are multiple Hard inquires that I do not recognize and I did NOT give authorization any of these hard inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 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: NY

Complaint narrative:
I disputed some inaccuracies and unclear items on my credit report in a letter, and more than 60 days later, I haven't heard back. I feel victimized and my complaints are being disregarded. I expect the immediate deletion of these accounts. I won't wait another 50 days.

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 2023-04-11 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: NY

Complaint narrative:
I disputed some inaccuracies and unclear items on my credit report in a letter, and more than 60 days later, I haven't heard back. I feel victimized and my complaints are being disregarded. I expect the immediate deletion of these accounts. I won't wait another 50 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 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: VA

Complaint narrative:
Ive been in communications with ( TransUnion, XXXX or XXXX ) about inaccurate personal information on my credit report. Even after notifying them many times about this error they still continue to report this incorrect personal information on my file. Not only is it unfair, its also illegal. By law 15 U.S. Code 1681 ( b ) it clearly states that your reporting agency must follow these Reasonable procedures : require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance. 
This whole thing is unfair. This has been stopping me from being able to move forward in my life because of this inaccurate information being reported on my credit report. I have told ( TransUnion, XXXX or XXXX ) many times I do not consent to the inaccurate personal information listed below to be reported on my consumer report. This in clear violation of 15 U.S. Code 1681 & 15 U.S. Code 1681c2 Inaccurate Personal Information ; Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Address : XXXX XXXX XXXX XXXX XXXX, VA XXXX My only name is XXXX XXXX XXXX My only address is XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX My only date of birth is XXXX You are required to do what I am asking and block the following personal information from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 

Thank XXXX 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 non-monetary relief
Consumer complaint received 2023-04-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Tower Loan of Mississippi, Inc.
State: IL

Complaint narrative:
In XX/XX/2023, XXXX XXXX of Tower Loan discriminated against myself by deciding he was more qualified than my psychiatrist when he dismissed the status of my mental and emotional health as mere trigger words, intending to paint the company in a negative light, as if harassing someone at their place of work and coming to their house at XXXX made them look like heroes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NORTHWEST BANCSHARES INC
State: OH

Complaint narrative:
We opened an online savings account with Northwest Bank and we assured, in an email from the customer service person that opened the account, that if we needed to withdraw a large amount of money that we could do so by visiting a local branch. We were told that a cashiers check could be obtained anytime. We had an initial deposit, on XX/XX/XXXX, via a bank to bank transfer. We then made and additional XXXX deposits, XXXX cash on XX/XX/XXXX and XXXX via another bank to bank transfer on XX/XX/XXXX. After having numerous problems with the bank we decided to just continue with our original bank. I visited the local branch on XX/XX/XXXX, to closer the account and was informed that I could not because our funds were being held. The branch manager brought me into her office and made some calls to find out why our funds would be held, as they were bank to bank transfers and a cash deposit. The bank that the funds came from showed that they were indeed transferred. While on the phone, she was informed that she had the ability to lift the freeze on the funds but seeing as I was a new customer, she did not want to do so. She could not understand or give me an explanation to why this was being done and agreed that the funds should not be frozen. She was going to file an internal complaint for me on Friday XX/XX/XXXX. Not having any luck with someone reaching out to me, it is obvious that they are going to hold funds until XX/XX/XXXX and XX/XX/XXXX, even though there is no explanation and with the acknowledgement that the funds are there. We would like someone to help us retrieve our money from Northwest Bank.

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 2023-04-11 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: TX

Complaint narrative:
We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT I'm writing today to advise you that your agency is in a major violation.I have been doing some studying myself and i have learned that the only person that give consent is the consumer and thats me.you are allowing improper use of credit reporting against what the LAW has written.The consumer controls the credit reporting not the agency.also Late Payments are illegal to report with out my consent.15 USC 6801 It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.I XXXX XXXX DID NOT CONSENT to any bank or agency report my consumer report.15 USC 6802B.A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.I AM A INDIVIDUAL CONSUMER ..Under the FCRA, a debt collector must investigate any disputes that are made in writing within 30 days. I have disputed this debt in writing, and your company has not responded within the 30-day timeframe. This is a violation of 15 U.S. Code 1681i ( a ) ( 1 ) ( A ).

Company response to consumer: Closed with explanation