vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rausch Sturm LLP
State: OK

Complaint narrative:
I take XXXX XXXX XXXX XXXXXXXX to court to lower a garnish in court the judge secretary hand me a paper was sent to them say garnishment stop and paid in full it's was 3yrs ago and they sold my bad debt to different collections agencies Rausch Sturm LLP debt collectors and that company sold was form XXXX the amount own XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 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: NJ

Complaint narrative:
In accordance with the fair credit reporting act XXXX account # 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 a account without my written instructions.

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 2022-03-09 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # 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 a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I sent these companies a certified letter, which highlighted federal laws in credit reporting. These companies are to not use XXXX party Data brokers to do their investigations for them. they are to have the original contract, or my signature to prove any debt is mine. If any debt, or information is incorrect it has to be removed. These companies are not following federal law in their investigations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 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: CITIBANK, N.A.
State: CA

Complaint narrative:
after disputing a late credit card payment with Citi Bank they denied my claim and retaliated by reporting an increase the balanced owed sabotaging my credit score.

Efforts to several reps were futile.

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 2022-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I, XXXX XXXX, under the penalty of perjury certify that all forthcoming statements are true and factual. On XX/XX/2021 Bank of America to be continuously referred to as BOA began violating my rights as a consumer when they knowingly and willingly sent me postal mail expressing that the company reversed a mobile deposit of check # XXXX that was made on XX/XX/2021 using BOA account # : XXXX. This is fraudulent action violates the Fair Credit Billing Act which was enacted to cover settlement procedures in relation to billing errors. Those billing errors include : Unauthorized charges, Charges with an incorrect date or amount, Charges for undelivered goods or services. Math errors, Failure to post payments or credits for returns, Failure to send bills to your current address, and Charges for which you request clarification or written proof of purchase. The actions taken by BOA display a blatant disregard for the Fair Credit Billing Act and Fair Credit Reporting Act because they are inaccurately being reported and include math errors, unauthorized charges, charges with incorrect dates, amounts, and account information, as well as charges for which I request clarification. BOA has yet to provide me proof as a consumer and account holder that an actually check deposit of {$3500.00} was in fact redeposited into account # XXXX via mobile deposit on XX/XX/2021 for the 2nd time following the initial deposit of this check via mobile deposit on XX/XX/2021. BOA is stating that I redeposited a duplicate check into my checking account # XXXX on XX/XX/2021 and because of this they reversed {$3500.00} out of that same account number forcing the account to become negative {$3500.00}. This account being in a negative status has caused me financial and emotional hardship due to the fact that this is the only personal bank account that I currently have access to. I can not pay my bills using my bank account or deposit funds without them being illegally stolen from me by BOA. BOA has a history of being predatory toward consumers and violating consumer and federal laws for self-gain. BOA has 30 days starting upon the receipt of this complaint to validate their fraudulent activity taken or credit my account in the amount of {$3500.00} immediately. BOA needs to abide by federal law despite company policies and ensure that they discontinue the use of illegal practices that violate the Fair credit billing act, the fair debt collection practices act, and 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 2022-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
All emails from this company contain tracking pixels. Also known as web beacons, these secretive codes are embedded in all service emails and are designed to collect IP address, device and browser details, time, emails forwarded to, their private info, etc. Victims are all customers, and unlike cookies, there is no request for customers ' consent. Reference to existing privacy disclosure is considered ineffective as per all privacy laws. After years of reports to the customer service, domain registrant, admin, tech and abuse departments, no one bothered to even respond with consistent reasons of such mass surveillance and failure to provide any optout option. After complaints via emails, only things I heard are standard PR statements and ultimatum about unwillingness to remove secretive trackers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
NOTICE : PLEASE BE ADVISED A COMPLETE COPY OF THE BELOW COMPLAINT WAS SENT TO & RECEIED BY NAVY FEDERAL ON XXXX XXXX, XXXX VIA USPS CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX. 

NOTICE : I WAS NOT ABLE TO UPLOAD THE CONSENT ORDER OR THE DEBIT CARD DISCLOSURE AS THE FILES WERE TOO LARGE FOR THIS PLATFORM. 

On XX/XX/XXXX, NAVY FEDERAL CREDIT UNION unlawfully, deceptively and without notice, restricted my Debit Card access connected to account number XXXX, violating my consumer rights, the CFPA and CFPB Consent Order No. XXXX. 

On XX/XX/XXXX ( months later ) NAVY FEDERAL CREDIT UNION notified me of their actions by mail stating that my debit card history demonstrated a violation of the Debit Card Disclosure but failed to specify what action/actions specifically violated the agreement and how. 

After reviewing the Debit Card Disclosure I could not find anything that that would justify the adverse action taken against me. On XX/XX/XXXX, using their members portal I began sending NAVY FEDERAL CREDIT UNION a electronic message requesting a explanations of the alleged violations so to ensure that they would not be repeated in the future. After going back and forth with NAVY FEDERAL CREDIT UNION via its Member Messaging portal I finally got a response of admission to which I have attached to this complaint titled EXHIBIT B. 

NAVY FEDERAL CREDIT UNION has a history of being unfair and abusive to consumers and its members. On XX/XX/XXXX, NAVY FEDERAL CREDIT UNION was sued by UNITED STATES OF AMERICA CONSUMER FINANCIAL PROTECTION BUREAU for its Unfair Electronic Account Access Restrictions and material representations that were likely to mislead reasonable consumers and that is exactly what they are now doing to me. 

I clearly have good reason to believe and do so believe this is an unlawful attempt to punish me for exercising my right as a consumer to dispute unauthorized transactions which establishes an inability to protect my interest while using this consumer financial product or service. This act is defined as Abusive under of 12 U.S.C. 5531 ( d ) ( 2 ) ( A ) ( B ) and is a violation of 5536 ( a ) ( 1 ) ( B ). These injuries are not outweighed by benefits to me or to competition and my injuries were not reasonably avoidable because NAVY FEDERAL CREDIT UNIONS policies and practices regarding electronic access and service restrictions were not adequately disclosed to me when I opened my deposit accounts and are still not to date.

Therefore, NAVY FEDERAL CREDIT UNIONs representations, as described above, constitute deceptive acts or practices in violation of sections 1031 ( a ) and 1036 ( a ) ( 1 ) ( B ) of the CFPA, 12 U.S.C. 5531 ( a ) and 5536 ( a ) ( 1 ) ( B ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, I reached a payment for agreement settlement with XXXX XXXX, debt buyer for Comenity Capital Bank. I met the agreement and paid in full. Documentation attached. XXXX XXXX deleted the tradeline from reporting to the 3 bureaus but Comenity will not hold their end of the agreement. I provided proof of this settlement agreement, payment proof, and showing of XXXX XXXX XXXX dismissal with prejudice. Comenity Bank responded to 6 disputes through 3 credit bureaus by refusing to remove the tradeline and continues to report derogatory information on late payments from XXXX. This is a violation of the terms of agreement and damaging to my capacity to secure financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
On XX/XX/2022 I sent a certified letter to transunion because I was concerned about unverifiable accounts on my credit report. On XX/XX/2022 transunion sent me a letter that clearly shows they are choosing to not verify my request, they are accusing me of using a third party or credit agency and I feel that this is a violation of my consumer rights. 

I am requesting that you make Transunion follow the rules and investigate my disputes.

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 2022-03-09 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am submitting this complaint against Equifax for reporting inaccurate information on the listed account below. I believe the bureau is violating Section 611 of the FCRA for reporting false information which is damaging my credit and causing me emotional and physical stress. I need EQUIFAX to provide me with verifiable proof or documentation demonstrating that the information they have is accurate. Failure to comply with the request should result in the correction of the item. 

XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
This bank is one of my few financial agency that failed to secure customers ' security. Both the bank and credit card service did not implement 2 step/factor authentication. My repeated calls, emails, secure messages requesting implementation of 2FA have been neglected and refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
on XX/XX/2022 I mailed a dispute to Equifax asking that they look into two bankruptcies being reported on my credit report. Equifax incorrectly confirmed that the bankruptcies belonged on my credit report. I was sent confirmation # XXXX on XX/XX/2022 Equifax says that they confirmed the Bankruptcies thru a company called XXXX. It is the responsibility of a credit reporting agency to verify information at it's source confirming Social Security number, Birthday and Name. No Federal court will provide this information under federal rule of Bankruptcy procedure 9037. 

That said I contacted XXXX and requested a consumer report from that company. XXXX sent me the requested consumer report which I received on XX/XX/2022. There aren't any bankruptcies showing on my XXXX XXXX consumer report. XXXX is not showing any bankruptcies. Equifax should not have been able to verify public records with XXXX. XXXX is not showing ay bankruptcies on my consumer report. It isn't possible to verify something when it isn't there.. Equifax has committed a grave error against me and my family and we have suffered irreparable harm due to the blatant intent of Equifax to cause me harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ROBINHOOD MARKETS INC.
State: PA

Complaint narrative:
Over a period of 2 days in XXXX ( XXXX ), I had {$4100.00} debited from my account without my authorization. I contacted my financial institution, Robinhood, on the XXXX when I noticed all funds from the cash management ( debit portion of account ) had been depleted. 

All transactions have been to the same vendor and only minutes apart. The amount debited from the account range from a few dollars to a little more than {$40.00}. This was consistently done over the two days time. 

I have tried, in good faith, to get a hold of Robinhood and get the issue rectified. It is now early XXXX and I have heard very little from them, if anything. I have sent several emails, have tried multiple times to call on the phone and have spent multiple hours on the phone with little success. I can not get a hold of anyone that can let me know of the status of my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: CA

Complaint narrative:
IQ Data International added an account onto my major three credit reports on XX/XX/2021 The account is originated from XXXX XXXX XXXX. 
I have received no correspondence from the company. 
I have consistently disputed this account as the account is not mine and I have never been associated with any such account I have filed several ID theft reports and submitted them to the credit reporting agencies in hopes of having this account deleted I have attempted to negotiate a settlement for the account with the agency to no avail just so that it does effect my or my husbands credibility in his line of work. 
The do not respond to emails or faxes. 

As a XXXX citizen and a military spouse, I just want this account removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I sent these companies a certified letter, which highlighted federal laws in credit reporting. These companies are to not use 3rd party Data brokers to do their investigations for them. they are to have the original contract, or my signature to prove any debt is mine. If any debt, or information is incorrect it has to be removed. These companies are not following federal law in their investigations.

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 2022-03-09 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I sent these companies a certified letter, which highlighted federal laws in credit reporting. These companies are to not use 3rd party Data brokers to do their investigations for them. they are to have the original contract, or my signature to prove any debt is mine. If any debt, or information is incorrect it has to be removed. These companies are not following federal law in their investigations.

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 2022-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAVALRY INVESTMENTS, LLC
State: OK

Complaint narrative:
I take Cavalry Spv I , LLC to court to lower a garnish in court the judge secretary hand me a paper was sent to them say garnishment stop and paid in full it's was 3yrs ago and they sold my bad debt to different collections agencies XXXX XXXX XXXX debt collectors and that company sold was form XXXX the amount own XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.

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 2022-03-09 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In XX/XX/2022 I filed a complaint with XXXX, TransUnion, XXXX and I didn't receive a response back until back. Today 's date XX/XX/2022, this date is way passed the 30 days time frame allowed. i am requesting these following items be removed from my report 1. ACCOUNT NAME : XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This account is duplicate with multiple listing as open error please delete inaccurate. ACCOUT NAME : 1. XXXX XXXX  BAL : {$150.00} charged off listed 2. ACCOUNT NAME : XXXXXXXX XXXX XXXX XXXXXXXX BAL {$0.00} 3.. ACCOUNT NAME : XXXX XXXX XXXXXXXX XXXX BAL : {$1000.00}. ACCOUNT NAME 4. XXXX XXXX XXXXXXXX XXXX XXXX {$2400.00} 5..ACCOUNT NAME XXXX XXXX XXXX XXXX XXXX BAL : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief