vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: GA

Complaint narrative:
The first week of XXXX 2022, I realized that my Emails were hacked and Passwords changed. I immediately called Discover Card, and notified them. I deactivated or closed all Credit Cards and Bank accounts. I issued a Credit Freeze and Fraud Alerts at all 3 bureaus. My identity theft was caused by a Data Breach at XXXX XXXX XXXX XXXX, which affected many thousands of Consumers. Many fraudulent charges on Discover Card. I closed all accounts. And then the identity thief was able to reopoen one EVEN with an active fraud alert!!!! I requested by phone, several letters with enclosed id 's, Emails, etc. all info relevant to my accounts. Transaction history, all account info, and especially how this identity was able to open an account in my name with active fraud alert. 

This was to be mailed to my current address : XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX No Response. 
Discover Card is in violation of FCRA for ignoring my many, many, requests for the above information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07 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: FL

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXXXXXX XXXX ) : Account Number : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I wasn't late. 
Thank You

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 2023-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: NJ

Complaint narrative:
My chime account was linked to an external bank XXXX XXXX XXXX the account was closed and XXXX returned partial funds to one account but not the Chime account due to some technical difficulties with Chime I spoke with both institutions about returning funds to chime account XXXX instructed me to tell chime to reclaim funds because the external account wasn't in the same name as chime ( my sister 's account ) wich she has authorized the transfer back I dispute the issue with chime and they don't understand the instructions they keep closing my dispute stating the was no error in the transfer and no money will be returned.. The money can not be returned until they put in a claim to XXXX XXXX XXXX for funds once that is done The bank will return the funds. they keep telling me we don't see any attempt to return funds not understanding that they don't see it cause they have not put in the claim for it to XXXX XXXX XXXX the dispute department at chime will not communicate with me directly so I can explain this to them they just keep closing the dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 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: TX

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. 

The letters are stated with items and issues. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07 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: TX

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. 

The letters are stated with items and issues.

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 2023-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: KY

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX sent me {$4000.00} on PayPal after sending PayPal limited my account and ask for verification so I uploaded it and before it was even submitted they permanently limited my account said the money held would be held 180 days then I would receive a email letting me know about withdrawing my funds. XXXX XXXX later then disputed the payment I submitted my proof to PayPal who then ruled the dispute in my favor. So the money was still in my account and was held for 180 days I received an email from PayPal on XX/XX/XXXX that my funds would be available for withdrawal on XX/XX/XXXX so after XX/XX/XXXX I contacted PayPal several times almost daily all they would tell me was no information was available they didnt know when I could get my funds so I filed a complaint with consumer finance after filing one with the XXXX and they told them theyd get in touch with me to handle the situation but nothing was ever done. The money still in my PayPal almost a month later I filed my first complaint with consumer finance it still stayed in my account until almost a week later when PayPal reviewed the complaint that I made to consumer finance and when they reviewed the complaint they immediately took the money out of my account stating that the money had been charged back by XXXX XXXX bank but when I contacted XXXX XXXX no charge back had been filed by him or his bank. Now they are telling me PayPal revoked the money because they wanted to and have that right. I only want my money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 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: TX

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. 

The letters are stated with items and issues. 

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 2023-06-07 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: FL

Complaint narrative:
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 XXXX XXXX  Account # XXXX Open Date XX/XX/2021 Balance {$140000.00} ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07 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: TX

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. 

The letters are stated with items and issues. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
so I had some fraud happen on my checking and I had a few late payments on of Bank of America account as a result because I could no make the payment this no fault of own. I asked B of A if they could waive the late fees for me. I had 3 they waived 2 of the 3 and would not waive the last one. I talked to a really rude manager in the coperate office this morning and was like even if you might I will get this every time and they will decline and acted like she was XXXX or the ceo of the company. Its XXXX I dont understand why they are making a big fuss about this. I am an excellent customer who never missed payment s before now. This late payment is not my fault and they need to remove all this company does is press a computer and say they are not going ti remove it they dont even care about me a customer and they dont even try to help me. I am very upset and am very amazed how horrible and rude there cooperate office employees are. They dont care about human element or anything they just press buttons on a computer like a Bunch of robots and they refuse to help out at all. I am very very upset and will keep fighting this until this late fee is removed.

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 monetary relief
Consumer complaint received 2023-06-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Everything PRIOR to XX/XX/2022 are valid charges. Everything else are UNAUTHORIZED CHARGES!! 

I have complied by mailing in a letter of explanation to the credit card company without a response. Please update with XXXX balance.

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 2023-06-07 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Everything PRIOR to XX/XX/2022 are valid charges. Everything else are UNAUTHORIZED CHARGES!! 

I have complied by mailing in a letter of explanation to the credit card company without a response. Please update with XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 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: IL

Complaint narrative:
Everything PRIOR to XX/XX/2022 are valid charges. Everything else are UNAUTHORIZED CHARGES!! 

I have complied by mailing in a letter of explanation to the credit card company without a response. Please update with XXXX balance.

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 2023-06-08 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: CA

Complaint narrative:
I called your department after I purchased a credit report with XXXX XXXX on XX/XX/2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there were negative accounts on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these negative, including this incorrect information from my personal profile. A copy of my XXXX XXXX, drivers License, and my Social Security XXXX are all included in this written request. Please help me resolve this issue as soon as possible. 

FIRST XXXX BANK XXXX, FIRST XXXX BANK XXXX, XXXX XXXX XXXX BANK XXXX, XXXX XXXX XXXX, XXXX BANK XXXX XXXX and XXXX BANK OF 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 2023-06-07 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am contacting you to request the removal of the accounts and information specified below from my consumer report. It is imperative that these accounts and information are not reported on my consumer report, as this would constitute a direct violation of the FDCPA and FCRA. I kindly request that you promptly delete and remove these accounts and information from my consumer report, as their presence is in clear violation of multiple laws. Please take immediate action to remove these accounts and information.

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 2023-06-07 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: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
This is a follow up to a previous complaint. A debt collection company LVNV funding has been unwilling or unable to provide a full, itemized notice of debt. I have tried to use their internal dispute process to get this information with no success. I then contacted XXXX XXXX to dispute the debt due to LVNV being unable to provide an itemized notice of debt. XXXX XXXX closed each dispute after LVNV said it was valid, still unable to produce any documentation with an itemized explanation of the debt. XXXX XXXX then directed me here to complete a complaint. This was also just closed after LVNV responded with a letter, but still no itemized listed of the debt. XXXX XXXX is aware that the required documentation has not been provided yet will not remove the remark from my credit report as XXXX did.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 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: LA

Complaint narrative:
am contacting you to request the removal of the accounts and information specified below from my consumer report. It is imperative that these accounts and information are not reported on my consumer report, as this would constitute a direct violation of the FDCPA and FCRA. I kindly request that you promptly delete and remove these accounts and information from my consumer report, as their presence is in clear violation of multiple laws. Please take immediate action to remove these accounts and information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Bepensa Capital, Inc.
State: NJ

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
It has been 30 days and you are in XXXX of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, CAPITAL ONE used and intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. CAPITAL ONE reported my private nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. These fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 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: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
I paid a collection account IN FULL with RESURGENT ( For XXXX ) on XX/XX/XXXX. ( I have documentation ) On my credit reports in early XXXX, it was reported by XXXX as a COLLECTION with a XXXX balance. 

Just recently ( this week ) my credit was pulled as I am looking to buy a house and qualify for grant funds. 

I was advised that XXXX has updated my credit report with all three bureaus to reflect " CHARGEOFF '' - which is incorrect. 

My scores are suffering due to this and I am unable to qualify for grant funds or a conventional mortgage. 

XXXX does not have a working telephone number to get this resolved. There's a recording when you call their number ( XXXX ) XXXX to write to an address in XXXX. XXXX, MN. 

I am unsure if this will get resolved. I absolutely need this corrected ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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