vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy. In accordance with the fair Credit Reporting act. RC/RESURGENT RECEIVABL I OWE {$1200.00} DATE OPEN XX/XX/year> & RC/RESURGENT RECEIVABL I OWE {$1700.00} DATE OPEN XXXXThey are not the Original Owners 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. 15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late any reasons. According to 15 USC 1681 : I have the right to privacy, and I did not give XXXX, XXXX, XXXX, written permission to furnish these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
PayPal held my money for 6 months with a promise to contact me on how to get the balance afterward. I never received this message and lost over {$600.00} in the process. They are blocking my account from withdrawing and they ALSO blocked me from contacting them so I cant even reach out to them to withdraw.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
If you continue to disregard, fail to comply with, or lack substantial, satisfactory, and/or visibly evident proof of compliant reporting practices, I must caution you that this letter serves as my formal notice prior to potentially seeking redress in the nearest civil court through a writ of review concerning the aforementioned issues I suspect. Please understand that I am the affected consumer of your unverified or insufficient reporting practices. Consequently, I am disputing the assumed, yet highly conditional, reporting privileges for any and all claims contested within this consumer complaint. This statement demands your demonstration of authoritative, verifiable, compliant, legal reporting that unquestionably adheres to no less than the mandatory state and federal reporting requirements and statutes. My insistence on your thorough examination shall specifically encompass, but not be limited to, your adherence to agreements referenced within the FCBA, FCRA, ECOA, as well as all relevant laws within my state, proven to be sufficiently comprehensive in showcasing that your adequate statutory reporting occurred precisely as it pertains to any claim purported by you in my report ( s ). Of particular concern to me is whether any or all aspects of your claims are alleged yet demonstrate potential deficiencies, potentially deviating from your obligatory adherence to industry standards for lawful, fair, and ethical reporting, while maintaining an appropriate status. Undoubtedly, your obligation should be one of verifiable conformity to the XXXX XXXX Data Field Formatted Reporting Standards, as per CDIA guidelines! 

I've recently obtained copies of my personal consumer credit reports and have noticed questionable or insufficiently verified data within my file at your company 's offices, as outlined in my reviewed documents. I'm worried that this information might have been mistakenly or intentionally added back to my credit report by your offices after being removed from reporting, without providing the necessary five-day notice to me, as required by reporting regulations that your company must adhere to. 

According to the Fair Credit Reporting Act ( FCRA ), any previously removed reporting item can not be reinserted into a consumer 's credit report without written notice from the relevant credit reporting agency or agencies directly to me, the affected consumer, within XXXX business days of the alleged reinsertion date. I want to make it clear that I haven't received any such notice or confirmation regarding the accuracy and completeness of the reported claims. 

Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
TRANSUNION Report # XXXX XXXX XXXX, is listing an Account with negative and derogatory information on my credit report, I am requesting the below listed account be deleted immediately! And removed from my credit report. And opt-out all together from reporting. 
Account number listed as XXXX ACCORDING TO 15 USC 1666 and its entirety IT IS UNLAWFUL TO REPORT LATE PAYMENTS The Fair Credit Reporting Act or 15 USC 1681 section 602 states There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Finally, 12 CFR 1016.7 A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.

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 2024-03-29 00:00:00
Product: Credit reporting 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: LA

Complaint narrative:
I was looking at my credit report and noticed that there were hard inquiries that are not mine on there.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS
State: PA

Complaint narrative:
I contacted LexisNexis online and requested my consumer report 3 times. They keep rersponding that they can not identify me and refuse to send me my consumer report. They are sharing my information with XXXX XXXX and XXXX without my permission even tho I requested to opt out of there services. It seems everybody can get a hold of my information but I cant.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/XXXX, Chase Credit Card pulled {$220.00} from my Chase Checking account. I am unemployed and can not afford basically anything right now. After pulling that payment, I was left with {$13.00} in my account. I AM UNEMPLOYED. I did not authorize this payment. I called and had my payment plan cancelled a month ago due to still being laid off and not being able to afford such a high payment. Chase decided to still pull this money from my account and it was UNAUTHORIZED. On XX/XX/XXXX, I spent XXXX hours on the phone with various departments trying to get this payment reversed as it was unauthorized. After XXXX hours, I was told once the payment was posted I would be able to call back and have it reversed. On XX/XX/XXXX, I called the credit card department and explained the situation again. I was then transferred to payments where I explained the situation again and was transferred to a supervisor. I explained the issue to the supervisor and she told me there was nothing she could do because my account was in a past due status. I explained to her that this payment was UNAUTHORIZED and that it needed to be reversed back to my account. I am unemployed and unable to barely feed myself. That {$220.00} was my meals the next XXXX weeks. She stated she couldnt reverse it. I never authorize them to do this as my plan was cancelled in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX ), XXXX XXXX XXXX are all inquiries that were without my authorization & 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
Citibank closed and locked me out of my account on XX/XX/2023 for no reason. I was then told they had 30 days to mail and check for the balance that was in my account which is nearly {$60000.00}. It's been over 90 days and I still haven't been given access to my money or received a check from them Citibank bank continues to send me to a different department with a promise of it will be 15 days 5 to 7 days or 1 to 3 days and they have failed to do absolutely nothing to resolve this issue. I have expressed the upmost importance of this matter that I have used all extra resources and I am in between jobs that I now have cut off notices, eviction letters, and it's not only effecting my credit my in danger of becoming homeless. I need help getting my money from Citibank please.

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 2024-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: NJ

Complaint narrative:
Robinhood is illegally holding my funds and making it incredibly difficult to communicate with anyone on their side. They initially restricted my account because of " suspicious '' activity. THis was following my attempt to transfer cryptocurrency outside to my own wallet. It was an incredibily frustrating and annoying experience, but eventually I was able to verify my transactions and my account. What's strange and potentially illegal, is that on that same day, I decided I didnt want to deal with this firm anymore so I transferred all of my funds to my verified bank account ( the one that was funding the Robinhood account ). But they changed the amount of the transfer without my permission. I transferred roughly {$5100.00}, they modified this to {$150.00}. When I reached out to them about this, they then repeated that the account was restricted. I then countered by saying then why did Robinhood allow the smaller transfer? They went radio silence after that and then had the audacity to say that they have the right to no longer maintain my account and would be transferring all funds to my bank account within 15 business days ( this email was sent on XX/XX/XXXX ). Soon after they charged my account for having an margin account? I dont get this charge because my money is currently in cash only? My repeated attempts to get answers to my questions about the modified transfer and also the margin charges were ignored. Then they sent another email to me today XX/XX/XXXX, repeating the same " we have the right to no longer maintain my account '' and would be transferring all funds to my bank account within 15 business days ( this email was sent on XX/XX/XXXX ). So they are continuing to delay the release of my funds. I am not alone in this eggregious and potentially illegal behavior from Robinhood. Please look into this, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Consumer Financial Protection Bureau Enforcement Office XXXX XXXX XXXX XXXX Washington, DC XXXX submitted via email : XXXX ; XXXX ; XXXX Subject : Request for Monetary Damages from TransUnion for Willful Violation of the FTC Act re : CFPB Complaint number XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX FEDERAL CIVIL FORM XXXX WILL BE FILED ACCORDING Dear Enforcement Office, I am writing to formally request monetary damages from TransUnion for its willful violation of the Federal Trade Commission ( FTC ) Act, specifically pertaining to its failure to comply with 15 U.S. Code 1681c-2, which requires a consumer reporting agency to block the reporting of any information resulting from alleged identity theft within four business days of receipt of such identification. 

As a victim of identity theft, I have diligently followed the necessary procedures outlined by federal law to notify TransUnion of specific information within my file that I believe to be the result of this criminal activity. Despite my efforts and repeated notifications, TransUnion has intentionally and with malice failed to comply with its legal obligations under the FTC Act. 

Furthermore, TransUnion has demonstrated a disregard for its responsibilities by neglecting to pay monetary damages for its egregious acts, exacerbating the harm and distress experienced by victims of identity theft. 

Therefore, I am requesting that the Consumer Financial Protection Bureau ( CFPB ) pursue monetary damages against TransUnion for its willful violation of the FTC Act and its failure to provide appropriate compensation for the damages incurred as a result of its unlawful actions. 

I urge the CFPB to conduct a thorough investigation into TransUnion 's practices and impose significant monetary penalties commensurate with the severity of its violations. Additionally, I request that any monetary damages awarded be promptly disbursed to affected consumers, including myself, to provide restitution for the harm caused by TransUnion 's actions. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will swiftly and decisively take action to hold TransUnion accountable for its willful violations of federal law and ensure that justice is served. 

Sincerely, By : SIGNATURE AUTHENTICATED Agent for XXXX XXXX Principal By Accommodations Without Recourse

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 2024-03-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Avant Holding Company, Inc.
State: NE

Complaint narrative:
XX/XX/XXXX I called Avant customer service on XXXX to request a letter be emailed to me showing my current balance after a payment was made. 
This one of the three companies that I needed letters from to show my loan officer that I am making payments so I can qualify for my mortgage. A time sensitive issue as we are all aware. 

I was advised that they can not send me a notice but to send a separate email to XXXX and they could take care of that for me. 
I sent the email as requested at XXXX the same day. 

I called back later that day to see if they had processed my request and then was advised that they can only send me an email from the phone center if I had a XXXX balance. Unsatisfied with this answer I asked the representative XXXX to escalate the situation to a supervisor. The supervisor ( XXXX ) was unavailable and I was given the option for a call back. I asked to be called back before XXXX or after XXXX. The supervisor did not call me back until after XXXX when I was unavailable. 

XX/XX/XXXX I still have not received a response from the cardresolutions email so I called back in. I spoke with XXXX, who tried to assist me but provided me the same information advising that they can only send a XXXX balance letter. I tried to explain to him all I needed was an email with that information and I can literally view the information in the portal online but that is not sufficient for my loan officer since it is not underneath the " Avant '' letterhead. XXXX did have me forward the email that I sent to XXXX to another email XXXX. Which auto generated a response advising that they had received my complaint. 

At this point the other 2 companies had already provided me the information I needed in writing. So it can not be a legal issue of providing the information. It is my balance and not being able to provide proof of that balance to me as a customer is an anti customer policy. 

Additionally when I decided that the credit card company was not going to help me I asked who I could file a formal complain to and they were unable to provide me with any information. Since the rep and supervisor " do not know '' I understand that most companies will provide a statement monthly but I am trying to move faster than a monthly pace and every other company I have worked with has been able to assist me in some form. Avant is directly choosing to cause issues for their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
Portfolio Recovery is contacting me regarding a debt that was discharged in Bankruptcy in 2009. I have a new telephone # that I got XXXX years ago and they are calling me as if this is a current or even a valid debt. They are also mailing documents to my home. I have asked that all communication be discontinued but it has continued. I will be taking this call log and document to my attorneys office to see what legal actions can be taken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I'm experiencing distress, dissatisfaction, and XXXX due to the recent updates in my credit report. Despite consistently making timely payments, there are now late payment remarks on certain accounts. I have not missed any payments, and it's crucial that this issue is rectified urgently. I need your assistance to ensure that my credit report accurately reflects all payments made on time, ensuring its complete accuracy.

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 2024-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
The recent changes in my credit report have left me feeling distressed, dissatisfied, and anxious. Despite always meeting payment deadlines, some accounts now show late payment remarks. I haven't missed any payments, and it's essential to resolve this matter promptly. I require your assistance to ensure that my credit report precisely reflects all on-time payments, maintaining its full accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 00:00:00
Product: Credit reporting 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: NC

Complaint narrative:
XXXX XXXX ( XX/XX/XXXX ) was an inquiry not authorized & 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 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 2024-03-29 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
TRANSUNION Report # XXXX XXXX, is listing an Account with negative and derogatory information on my credit report, I am requesting the below listed account be deleted immediately! And removed from my credit report. And opt-out all together from reporting. 
Account number listed as XXXX ACCORDING TO 15 USC 1666 and its entirety IT IS UNLAWFUL TO REPORT LATE PAYMENTS The Fair Credit Reporting Act or 15 USC 1681 section 602 states There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Finally, 12 CFR 1016.7 A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.

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