vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-09 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The Equifax data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: UT

Complaint narrative:
Sending the matter to smalls claims, the affidavit needs LVNV or Resurgent Capital registered agent information to send them documentation from a constable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have previously disputed these accounts and you still have not removed them they are not mine ; they are authorized user accounts and one fraudulent account belonging to someone else, the debts do not belong to me. I will sue for negligent investigation practices considering this is my THIRD time disputing, and these accounts are not mine and ruining my credit. 15 U.S. Code 1681i - Procedure in case of disputed accuracy. I will sue for negligence and sue for damages. Please remove these accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 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: GA

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 15 USC 1681. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09 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: GA

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 15 USC 1681. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 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: LA

Complaint narrative:
Dear Sir/Madam, I am writing to dispute a debt reported on my credit report by XXXX XXXX XXXX According to my credit report, I owe them an outstanding balance. However, I would like to clarify that I do not owe any money to XXXX XXXX, as I have never signed agreements with them or received any loans or services from them. 

For your reference, my personal information is as follows : Full Name : XXXX XXXX Date of Birth : XXXX Social Security Number : XXXX Debt Information as it appears on my credit report : Creditor : XXXX XXXX Account Number : XXXX Amount Owed : {$1400.00} As mentioned, I do not know about any business dealings with XXXX XXXX, and I have never signed any contracts or agreements with them. I suspect this debt may result from an error or even fraudulent activity. Please investigate this matter and remove the XXXX XXXX debt from my credit report if it is inaccurate or invalid. 

I am attaching a copy of my driver 's license as proof of my identity and address. I also request that you send me a confirmation letter once this investigation is completed and any necessary updates have been made to my credit report. 

Thank you for your prompt attention to this matter. If you require further information or documentation, please do not hesitate to contact me at XXXX or XXXX. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Dear Sir/Madam, I am writing to dispute a debt reported on my credit report by XXXX XXXX XXXX According to my credit report, I owe them an outstanding balance. However, I would like to clarify that I do not owe any money to XXXX XXXX, as I have never signed agreements with them or received any loans or services from them. 

For your reference, my personal information is as follows : Full Name : XXXX XXXX Date of Birth : XXXX Social Security Number : XXXX Debt Information as it appears on my credit report : Creditor : XXXX XXXX Account Number : XXXX Amount Owed : {$1400.00} As mentioned, I do not know about any business dealings with XXXX XXXX, and I have never signed any contracts or agreements with them. I suspect this debt may result from an error or even fraudulent activity. Please investigate this matter and remove the XXXX XXXX debt from my credit report if it is inaccurate or invalid. 

I am attaching a copy of my driver 's license as proof of my identity and address. I also request that you send me a confirmation letter once this investigation is completed and any necessary updates have been made to my credit report. 

Thank you for your prompt attention to this matter. If you require further information or documentation, please do not hesitate to contact me at XXXX or XXXX. 

Sincerely, 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 explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have a fraud alert on all 3 bureaus I noticed inquiries on my account which I did not authorized which need to be deleted I did make another Ftc report as bureaus requested. 
the inquiries I noticed on TRANSUNION is : XXXX XXXX XXXX XXXXXXXX and XXXX the inquiries I noticed on XXXX is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-09 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: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
I opened account with Comenity/Kay in XX/XX/XXXX. I'd paid the bill directly at the store location to ensure immediate payment. I paid {$150.00} and {$300.00} in XX/XX/XXXX. I paid {$400.00} in XX/XX/XXXX. I paid {$270.00} in XX/XX/XXXX. Each occurrence, I'd asked the teller to put minimum payments on the following months. In XX/XX/XXXX during a credit check, I was very surprised when I noticed that there had been late payments being reported for XXXX & XX/XX/XXXX. I reached out via call and sent letter pleading with company to remove these late payments as I made sure not only to be on time, but to be ahead. They informed me that my extra payments were only entered for one month at a time even though the store representatives ensured me of my payments processing. I paid the account in full XX/XX/XXXX, 9 months ahead of scheduled. 
These incorrect late payments have impacted my credit tremendously. It will help in a major way to have these late payments removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I filed a dispute claim to get the remaining balance of my down payment back For a car. Capital one denied the claim because the merchant stated i owed them money but the merchant processed a partial refund. When they noticed the partial refund capital one filed a rebuttal. The rebuttal was denied because now the merchant has switched they story to now they couldnt get financing for me. They have looked past all my documentation and sided with the merchant who has switched stories multiple times. This has been going on since XXXX. This has put me in a financial crisis. When i request documentation that was used to make a decision on the claim they send me a copy of my transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
on XX/XX/23 I was trying to sign into my XXXX XXXX XXXX. The TV requested my password which I forgot. Instead it gave an option to sign in through my mobile device or go to XXXX Enter the following code. There was a phone number listed as I was still having trouble so I called thinking I'm dealing with XXXX, I was asked to down load an app called XXXX the person on the phone said they needed to verify it was me and proceeded to update my debit card as it was expired. Then they had me purchase a couple game card but said it would be refunded, they needed to verify it was me. long story as they proceed to have issues on refunding and had me try other ways to refund me the money with Venmo with the amount of XXXX to XXXX XXXX, son come into the room and realized I was being scammed and had me hang up the phone. We called Venmo to stop the transaction but they said they cant. I have tried to contact the person called XXXX XXXX but there is no account now on Venmo to get my money back. I went to my bank on XX/XX/23 and filed ' a complaint, my Credit union also filed a complaint with Internet Crime Complaint Center. I was able to get the money back from the game cards. I did not have the XXXX in my account and now I owe the bank XXXX for over drafts. I do have transcripts and emails from Venmo so I'm filing a complaint as I was scammed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-09 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: IN

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 15 USC 1681. XXXX XXXX XXXX XXXX XXXXXXXX ) has violated my rights.

15 USC 1681 Section 602 A. States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09 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: TX

Complaint narrative:
Please see the attached FTC Report and remove the account XXXX XXXX from my credit report. I have already tried to fix this with the credit bureaus, and they failed to conduct a thorough investigation. If they had, they would have known that the company is not credible and that each of the bureaus were reporting different agency names for the same account. My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All is being investigated by the ftc.

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 2023-05-09 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: FIRST HORIZON BANK
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Tn. XXXX You are in direct violation of The Fair Credit Reporting Act ( FIRST HORIZON BANK ), has violated several of my rights.

15 U.S.C. 1681 Section 604 A. Clearly states that I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 21 : It also a consumer reporting the agency can not find an account without my written instruction.

15 U.C.S. 1666B : A creditor may not treat a payment on a credit card account under and open-en consumer credit plan as late for any purpose.

Remove this late payment and update this account immediately as you an indirect violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 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: PA

Complaint narrative:
I have a fraud alert on all 3 bureaus I noticed inquiries on my account which I did not authorized which need to be deleted I did make another Ftc report as bureaus requested. 
the inquiries I noticed on XXXX is : XXXX XXXX XXXX XXXX and XXXX  the inquiries I noticed on EQUIFAX is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10 00:00:00
Product: Credit card or prepaid card — Store credit card
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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I was told that I owe XXXX on a kohls bill back in 2017. Tried calling to work it out. Ran into hard times and they just kept racking late fees on it every month for the past 6 years. My bill was not this high ever. All the late fees is what it isl.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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: TX

Complaint narrative:
I sent TransUnion an AFFIDAIVT THAT ALL BILLS ARE PAID on XX/XX/. I advised them that they where in violation of my privacy rights because I did not nor have I ever given consent for any of my information to be disclosed to any entities. Therefore they must cease and desist with any further privacy violations. And if they continue to violate my privacy rights that I will be forced to take legal action against them. I also stated to them that all accounts must be changed to in good standing.

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 2023-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I currently can not access the funds in my account. When I called to check on this after verification from the fraud team by phone last week and by text on XXXX Yesterday after confirming my attempt to purchase I received a text saying my card is available for use. But I could not use it. I called and was transferred and told my account is blocked and under review. I then asked for a supervisor to gain access to the funds that were just deposited into the account. I was met with back and forth and then settled for a call back. I was given incorrect work times and was not called back. When I called again today XXXX  I was told supervisors are gone by XXXX EST. I was told XXXX yesterday. My auto pays are blocked and now Im not only late but having to pay fees and its affecting my credit. There has been a lack of communication. I didnt receive an email or letter stating this could happen. When a representative called me last week I was not told it was a risk or that its being reviewed or else I would have sent my direct deposit to another account that I can access and not one that is blocked. 

I just need to get my money asap! This is all I have access to for day to day and bills due. I have a chronic illness and I cant even pay my co-pay because I can not use my debit card. 

And they act like its not an emergency and I have days to let them take their time for an escalated matter dealing with my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 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: CA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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