vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

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 2024-06-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
XX/XX/XXXX my XXXX Credit card was debited {$960.00} in connection with an international money transfer using XXXX XXXX. A few days later I cancelled the transfer and Pay Pal was supposed to reimburse my credit card account, that did not occur. I made an inquiry with Pay Pal and they told me the reimbursement was completed, ( it was not ). On XX/XX/XXXX I made another inquiry and I was asked to send a copy of my credit card statement, which I did. XX/XX/XXXX I was issued a case # XXXX XXXX XXXX but nothing has happened since then. I sent a follow up email 2 weeks ago but no response from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
A validation was sent out about the alleged account. Plus the company was reporting to all three credit bureaus wrong I found 6 items that were not reporting the same. The letter that was sent out from the company was not validation. Based on USC code the company did not furnish any creditable information. Company has caused damages where I was denied a home loan. Since there is in fact punitive damages XXXX XXXX is held under 15 USC 1681n.

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 2024-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have on my credit report XXXX XXXX  accounts. I am listed as an authorized user on XXXX. But I was removed from that account on XX/XX/year>. The company told me that by XX/XX/year> they would remove it from my credit report. As of today I still have it on 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 2024-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced

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 2024-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced

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 2024-06-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Issues with repayment — 
Company: MoneyLion Inc.
State: OH

Complaint narrative:
I received an XXXX from the MoneyLion XXXX XXXX. The payment was due XX/XX/year>. We had a financial emergency so I " chatted '' with them to try and move my repayment date. They were unable to do so. Therefore, I revoked my authorization for them to debit my account and was told that I would have to manually make payments going forward. I revoked authorization on XX/XX/year>. 

On XX/XX/year> XXXX debited my account anyway, even though I had revoked authorization with them. I " chatted '' with them again requesting my money back ASAP. I was told they had to research the matter and it would take XXXX business days. I never heard back so I " chatted '' with them again. Again, I was told they are still researching things and would get back to me. Once again, they did not. I " chatted '' with them once more yesterday and they claimed to not know what I was talking about and said they had nothing in their notes. 

I have contacted my XXXX and they have been less than helpful but I am in the hopes that XXXX will realize that I did in fact revoke my authorization with XXXX and will decide my dispute in my favor. 

There are clear violations of Regulation E here and MoneyLion XXXX should be penalized.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-06 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: TX

Complaint narrative:
I've recently checked my credit profile and discovered inaccuracies in several accounts. I'm asking for my credit report to be brought into Metro-2 compliance. I know the credit reporting laws require bureaus to report only 100 % true, accurate, complete, timely, and proven credit information. I'm requesting the removal of any challenged or disputed misinformation, including any aspects of unproven reported subterfuge.

I don't authorize the bureau to report not proven compliant information and demand the removal of any non-compliant information by full and permanent deletion or adequate testimony to the document certification of their obedience to Metro 2 data reporting regulations. Failure to do so will lead to my determined and rightful civil actions to seek monetary resolution through a court in my jurisdiction. I'm asking the bureau to authenticate and avow corporeally to the absolute genuineness, accuracy, allness, accordance, and adherence to all federally composed legislative documents related to the now officially challenged allegations of account.

ACCOUNT IN QUESTION : XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX I requests verification of certain items and is asked to provide physical proof of verification. I requesting a complete credit report and are grateful for the prompt attention and cooperation.

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 2024-06-06 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: 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, XXXX XXXX XXXX XXXX XXXX missed late payments & I OWED {$20000.00} open XXXXXXXX XXXX XXXX i OWE {$1200.00} DATE OPEN XX/XX/XXXX, XXXX XXXX I OWE {$1700.00} DATE OPENED XX/XX/XXXX XXXX XXXX XXXX I OWE {$970.00}, XXXX LATE PAYMENT. 

, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX CLOSED ACCOUNT I OWE {$460.00} DATE OPENED XX/XX/XXXX. 

They 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 Equifax, XXXX, XXXX, written permission to furnish these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
The bank failed to help. Repeatedly never returned my calls. This has gone on since XXXX of XXXX I called and sent registered mail XXXX and XXXX time a month for XXXX months. 
I paid off all the fraud charges and all that has remained is service charge and interest which I will not pay for their negligence.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-06 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: TX

Complaint narrative:
I have made numerous attempts to resolve the fraudulent, inaccurate, and misleading entries on my consumer credit reports, yet this critical issue remains unaddressed. The presence of these erroneous items, to which I never consented, has severely impacted my life, causing tremendous stress and XXXX. I am a victim of identity theft, which has led to this compromised data being wrongfully associated with my identity. 

I must inform you that due to your insufficient action, I am now pursuing legal remedies regarding the fraudulent and patently inaccurate information currently misrepresenting my consumer credit files. I am formally demanding you take immediate corrective measures to update, delete, and permanently block these invalid items from my credit reports across all bureaus and furnishers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-06 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
This company called me this morning, identified themselves as a debt collector, then requirement me to " confirm '' the information they have on me with statements like " Can you confirm your home address for me? '' or " Can you verify your DOB? ". I will not provide someone with this or any other personal information, based on their claim that they are " confirming '' they are speaking to the right person. If they want to confirm, then tell me what you have in your system and I will confirm whether or not it is correct ( equal to my info ), but I am not handing this information out and it is illegal that they require you to " confirm '' this information ( eg give them your PII data ) to discuss a claimed debt. This is not the spirit of what was intended by introducing hippa protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Knowingly lying, making false statements or concealing vital, significant and pertinent information, data and/or book entries can, may, and will imply that you admit you are secretly engaging in the practice of scamming people, extorting people, and deceiving the people and you admit that this is true and correct if you do not honor this request.

" Whoever, having taken an oath before a competent tribunal, officer, or person, in any case in which a law of the United States authorizes an oath to be administered, willfully and contrary to such oath states or subscribes any material matter which he does not believe to be true, is guilty of perjury and shall be fined no more than {$2000.00} or imprisoned not more than five years or both. '' 18 U.S.C. 1621, 18 U.S.C. 1001

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 2024-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Knowingly lying, making false statements or concealing vital, significant and pertinent information, data and/or book entries can, may, and will imply that you admit you are secretly engaging in the practice of scamming people, extorting people, and deceiving the people and you admit that this is true and correct if you do not honor this request.

" Whoever, having taken an oath before a competent tribunal, officer, or person, in any case in which a law of the United States authorizes an oath to be administered, willfully and contrary to such oath states or subscribes any material matter which he does not believe to be true, is guilty of perjury and shall be fined no more than {$2000.00} or imprisoned not more than five years or both. '' 18 U.S.C. 1621, 18 U.S.C. 1001

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 2024-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
I demand a cease and desist of all illegal activity pursuant to 15 USC 1692c ( c ) your cooperation is in clear violation of the FDCPA as well as my rights as a consumer under the Consumer Protection Act of 1962 they have not only used illegal communication tactics by illegally furnishing my information without permissible purpose but have also used mediums of communications that are unlawful such as the reporting of an alleged debt that they have never properly validated or verified in pursuant to 15 USC 1692G ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. 
if this debt is not handled and removed from my report I will have no other option but to file a claim as stated through the consumer credit agreement any inaccuracy, deceptive, or unfair debt collection practices will be handled through arbitration. I am giving your company the chance to fix this before taking those steps and measures but I will if needed as it is very clear in the agreement we have which was not clearly nor conspicuously disclosed to me, I'm going to include the arbitration agreement we have

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I demand a cease and desist of all illegal activity pursuant to 15 USC 1692c ( c ) your cooperation is in clear violation of the FDCPA as well as my rights as a consumer under the Consumer Protection Act of 1962 they have not only used illegal communication tactics by illegally furnishing my information without permissible purpose but have also used mediums of communications that are unlawful such as the reporting of an alleged debt that they have never properly validated or verified in pursuant to 15 USC 1692G ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. 
if this debt is not handled and removed from my report I will have no other option but to file a claim as stated through the consumer credit agreement any inaccuracy, deceptive, or unfair debt collection practices will be handled through arbitration. I am giving your company the chance to fix this before taking those steps and measures but I will if needed as it is very clear in the agreement we have which was not clearly nor conspicuously disclosed to me, I'm going to include the arbitration agreement we have

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 2024-06-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Could you please remove the inquiries reported in my report? I have already filed a dispute letter for them and am seeking a response indicating that you will address these issues.

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 2024-06-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Could you please remove the inquiries reported in my report? I have already filed a dispute letter for them and am seeking a response indicating that you will address these issues.

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 2024-06-06 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Could you please remove the inquiries reported in my report? I have already filed a dispute letter for them and am seeking a response indicating that you will address these issues.

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 2024-06-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: MI

Complaint narrative:
I submitted a complaint due to US Bank closing my account for excessive disputes. Despite being told when I submitted the disputes that this wasn't a possibility, XXXX separate agents told me that was the reason, and I was mailed a letter yesterday. The second, a supervisor, read directly from the letter. This was a recorded phone call. I asked her why they would make this decision over a month after I submitted the disputes and was told that my account being negatively affected because of it wasn't an option. I have submitted no further complaints since then. The only answer she could come up with was she wouldn't have expected it. I requested they fax the letter to me, as they have previously agreed to do with all correspondence due to technical difficulties with their online portal and my routinely not receiving letters they claim to have sent. I also sent a fax with the same request. This all occurred the morning of XX/XX/year>. While they have failed to live up to this commitment, I did received a fax back, with a letter dated XX/XX/year>, that does not include excessive disputes as a reason. As stated in a previous complaint, they have removed my access to account details. I believe the entire purpose of this is so they can settle disputes without me having any ability to correct the numerous errors they make in real time. If denying me access to proper notifications isn't effective, they will deny my access to my entire account. I have had Credit Cards closed in the past. In each case, my online account continued to work. In this case, I can login, but not view transactions, statements, or any other account details. They apparently just plan to steal my remaining balance and are using a fraudulent account closure, done for fraudulent and fictitious changing reasons, as cover to do so.

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