vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-02 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: LA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX {$140.00} OPENE XXXX, Account name : XXXX XXXX XXXX {$560.00} opened XXXX, Account name : XXXX XXXX XXXX {$580.00} opened XXXX, Account name : XXXX XXXX {$3200.00} OPENED XXXX, has violated my rights. 

I looked at my credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 non-monetary relief
Consumer complaint received 2024-08-02 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: LA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX {$140.00} OPENE XXXX, Account name : XXXX XXXX XXXX {$560.00} opened XXXX, Account name : XXXX XXXX XXXX {$580.00} opened XXXX, Account name : XXXX XXXX {$3200.00} OPENED XXXX, has violated my rights. 

I looked at my credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2024-08-02 00:00:00
Product: Credit 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: Paypal Holdings, Inc
State: NY

Complaint narrative:
On or about XX/XX/XXXX I opened a case with pay pal regarding a purchase I received. On XX/XX/XXXX they requested more information see Screen Shot XXXX at XXXXXXXX XXXX.png below. On XX/XX/XXXX they requested tracking # see Screen Shot XXXX at XXXXXXXX XXXXpng below. The problem I have is they state case was closed because of improper tracking on XXXX please see Screen Shot XXXX at XXXX XXXXpng. Not true based on the screen shot Screen Shot XXXX at XXXXXXXX XXXXpng Shows derived on on XX/XX/XXXX. Issue I have they claim I was to provide tracking by XX/XX/XXXX. Thats impossible because the post office is closed on Sunday XX/XX/XXXX, Now see Screen Shot XXXX at XXXX Clearly states on their website I have unit XX/XX/year>. Problem I have is now is I have provided all the information as requested. The seller now has the merchandise. Pay-pal will not hold up honor what they have negotiated, and now says I am out {$320.00}. This is fraud unjust enrichment, also is against the law. Can you please help as you are my last resort. This is what the CFPB was designed for to consumer See case number XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-02 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: FL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

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 2024-08-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Signed up for the Barclays Carnival credit card on XX/XX/year> while on a cruise. They offered a promotional XXXX  months XXXX  % offer on initial purchase of {$13000.00}. The first month I was not charged any interest but on the XXXX  statement they began to charge interest. I was charged {$180.00} on XX/XX/year>. I contacted the customer service team on XX/XX/year> by calling the toll free number listed on the card. The agent named XXXX reviewed the account and saw that I qualified for the offer. She provided me a case # XXXX and stated it needed to be reviewed by another department and that I would receive a letter in XXXX  days. I asked for an email confirmation but was told they did not have that ability. I received the follow-up letter which stated that additional information was needed. After receipt of letter I called once again and was told the case # had no information listed. The next agent reviewed the account and once again stated the transaction qualified for the financing offer and that an incorrect finance rate was listed on the account. She provided a second case # XXXX and once again stated she needed to have another department review and remedy. She stated once again I would receive a letter in XXXX  days. As of this complaint the finance charge is still listed on the account, I have not received any additional information and the next billing statement will be due shortly. Additionally I have made payments early for the XXXX billing periods and have the third month scheduled early also.

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 2024-08-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX, has violated my rights. I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment, of inaccurate or unverifiable information ( A ) in general after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are supposed to no furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the accounts are 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 2024-08-02 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: FL

Complaint narrative:
The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, has violated my rights. I looked at my XXXX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment, of inaccurate or unverifiable information ( A ) in general after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are supposed to no furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the accounts are inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am a victim of trafficking of debt bondage and I would like for all listed accounts to be blocked and deleted by transunion. The accounts listed below, which appears on my credit report, is the result of that trafficking. 

XXXX  XXXX - Date Opened XXXX XXXX, XXXX XXXX XXXX - Date Opened XXXX XXXX, XXXX XXXX XXXXXXXX XXXX - Date Opened XXXX XXXX, XXXX XXXX XXXX  XXXX - Date Opened XXXX XXXX, XXXX XXXX XXXX - Date Opened XXXX XXXX, XXXX XXXX XXXX XXXX - Date Opened XXXX XXXX, XXXX XXXX XXXX - Date Opened - XXXX XX/XX/XXXX XXXX XXXX XXXX - Date Opened - XXXX XX/XX/XXXX XXXX XXXX - Date Opened - XXXX XXXX, XXXX XXXX XXXX XXXX Reference Number : XXXX XXXX XXXX  XXXX - Date Opened XXXX XXXX, XXXX XXXX XXXX XXXX XXXX - Date Opened XXXX XXXX, XXXX XXXX CARD XXXX - Date Opened XXXX XXXX, XXXX XXXX XXXX XXXX - Date Opened XXXX XXXX, XXXX XXXX XXXX XXXX - Date Opened XXXX XXXX, XXXX XXXX XXXX - Date Opened XXXX XXXX, XXXX XXXX XXXX XXXX - Date Opened XXXX XX/XX/XXXX XXXX XXXX XXXX - Date Opened XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - Date Opened XXXX XXXX, XXXX Additionally any inquiries that are connected to any of these accounts need to be blocked and deleted by Transunion XXXX Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act.

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 2024-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Unifin Inc.
State: CA

Complaint narrative:
Debt was charged off XX/XX/XXXX and accounts were settled in full on XX/XX/XXXX for {$5000.00}. Letters were sent to XXXX XXXX XXXX representing XXXX, XXXX. on XX/XX/XXXX acknowledging a signed settlement agreement as well as full payment of settlement. Companies were also notified on XX/XX/XXXX that I was represented by XXXX XXXX of XXXX XXXX XXXX. Even though the company was well aware that I was represented by counsel they still continued to contact me as demonstrated below. 

In XXXX, XXXX I started receiving collection calls to my home phone as well as my cell phone number from Unifin , Inc. a collection company attempting to collect on the above debts that were previously settled. I have received nothing in writing from this company prior to the collection calls nor afterwards. I have been sent no proof of debt. Proof of debt has been requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Blackhawk Network Holdings Inc.
State: CT

Complaint narrative:
I attempted to check the balance on my XXXX and XXXX gift cards issued by XXXX, XXXX. I did this at XXXX XXXX XXXX  ) and XXXX XXXX XXXX XXXX It used to be that I could check at least five of my cards before my IP address was blocked. Even though this is annoying, I accepted it as a reasonable security measure. Now, I can only check one card at a time before my IP address is blocked for XXXX hours. This is unacceptable. The website told me to call XXXX for assistance. The person at that number said that he could not assist me, and could not transfer me to anyone who can assist me. This also is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 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: IN

Complaint narrative:
I have reviewed my Consumer credit report and I have noticed it states I was late that I haven't been late for the consumer report agencies has assumed a vital role have a responsibility to report consumer information to the best of their ability. Please investigate and provide proof if nothing can be provided I demand that it is updated to paid as agreed on. Date XX/XX/year>

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 2024-08-02 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: FL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-02 00:00:00
Product: Credit card — Store credit 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: CITIBANK, N.A.
State: WI

Complaint narrative:
After making a purchase in early XXXX and paying for it for signing up for their Best Buy Credit Card, I began receiving overdue notices about XXXX  months later and have been receiving those plus interest monthly. I contacted Best Buy on XX/XX/XXXX and told it was a scam. I reported it to FTC that day. I get a new bill plus interest regularly. I contacted Best Buy today, XXXX XXXX, XXXX and they said, again, it is a scam. The Billing is on official Best Buy notices with the disclaimer that CITI handles their accounts. The past due amount may be from CITI whose information does appear on the invoice.

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 2024-08-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MA

Complaint narrative:
Dear XXXX XXXX XXXX ; Infiniti Financial ; Dear Sir/Madam, I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. 
The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : 1. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter.

2. Legal basis for the collection of this debt.

3. Proof of your authorization to operate in [ State Name ].

4. Evidence of the alleged debt, including any contracts or agreements bearing my signature.

5. Complete account history, inclusive of all collection-related charges.

I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions.

Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection.

* 1692e : Use of false, deceptive, or misleading representations.

* 1692g ( b ) : Failure to properly disclose my rights.

* 1692f : Use of unfair or unconscionable means to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I found a number of mistakes on my credit report, and I contacted TransUnion in order to resolve these issues. They have down right failed to comply with FTC Regulations and refuse to fix these issues, this is a clear violation of my consumer rights.

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