vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: 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.

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 2024-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: 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.

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 2024-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: N.A.R., Inc.
State: MO

Complaint narrative:
This company has put inaccurate information on my credit file to receive money over XXXX debt I have not even agreed or my arrangement with. I don't even know this company but on XX/XX/ I checked my credit report to see about my credit score and noticed this new Collection Agency has reported information on my credit file which is a violation of FCRA. I never received a written letter or anything from this company to feel like I owe them any thing or debt. I have proof to show how this inaccurate information is reporting on my credit file which is damaging my life. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/2024 North American Recovery Subject : Cease and Desist Letter Dispute of Collection Accounts on My Credit Report Dear North American Recovery, I am writing to formally dispute and request verification of the collection accounts that appear on my credit report, which are allegedly being pursued by North American Recovery. I have discovered these entries on my credit report, and I am deeply concerned about the negative impact they may have on my creditworthiness.

I dispute the validity of the aforementioned collection accounts for the following reasons : 1. Lack of Verification : I request that you provide detailed documentation validating the debt, including the original creditor 's name, the amount owed, and the dates of the alleged transactions. Failure to provide this information will result in my rejection of the validity of the debt. 

2. Verification Period : According to the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt within 30 days of receiving this letter. Please consider this letter as my formal request for validation. 

3. Cease and Desist : I demand that all communication related to the collection of this debt cease immediately. This includes any phone calls, letters, or other forms of communication. Continuing to contact me in regards to this debt without providing proper validation will be a violation of the FDCPA.

4. Reporting to Credit Bureaus : I expect that you promptly update the credit reporting agencies to reflect that the debt is in dispute. Any failure to do so may result in legal action against your agency for inaccurate reporting. 

Please be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I am prepared to take legal action if necessary to protect my rights. 

I expect your prompt attention to this matter and the provision of the requested documentation within the stipulated 30-day period. Failure to comply will leave me with no choice but to pursue legal remedies available to me. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX offers investment where yor principal is FDIC insured ( 0 % APY ) but returns are offered based on stock investment. I had deposited {$1000.00} for a year and then I was given {$6000.00} " investment fund '' that I could get returns. So, it would earn returns on an equivalent of {$7000.00} wth me getting back {$1000.00} prinicipal plus returns on {$7000.00}. My account shows that my investement was in S & P500 which had a >20 % return over the year. So, we are looking for a return of about ~ {$1400.00}. But magically the returns disappeared over the months with no explanation on costs or returns. Could you send statements on where the money was invested, what your fees were and like? This company is something SEC/FTC/CFPB should look at.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I noticed on my credit report alerts from chase that someone opened XXXX  credit cards under my name and with my personal information. In XXXX i started receiving these " alerts about past due balance '', " it looks like your using your credit '' and " you credit card balance went up '' which was really weird. My credit score went from XXXX to XXXX in two to three weeks. 

My XXXX credit report shows the following : XXXX XXXX  XXXX  balance shows {$10000.00} with credit limit of {$12000.00}. Authorized user since XX/XX/23 XXXX  XXXX XXXX XXXX  balance shows {$16.00} balance and credit limit shows {$3000.00}. Authorized user as of XX/XX/23 XXXX XXXX  shows credit balance of {$8100.00} with credit limit {$10000.00}. 

XXXX XXXX shows balance {$240.00} oppened on XX/XX/23.

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 2024-01-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have filed XXXX disputes with Equifax in regards to a medical collection debt on my credit report. I have attempted to dispute with creditor first then filed dispute with Equifax, in XXXX of 2023 they came back and stated the debt was valid. Upon my request for the means in which they validated the debt and the information provided they declined and advised I reach out to the creditor which will not respond. Equifax is in violation of my rights as a consumer to accurately prove validation of debt as well as failure to provide accurate creditor information. It is shown on there website to be as a consumer as XXXX XXXX yet they have it on there end as XXXX and XXXX. XXXX and XXXX did there legal obligation to protect me as a consumer and appropriately and properly investigated my disputed and protected me from invalid debt and have since removed this debt from my credit. I am requesting that the debt for XXXX XXXX or XXXX and XXXX in the amount of {$890.00} be removed from my credit immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: BANCFIRST CORPORATION

Complaint narrative:
Dear Sir, unfortunately, I have not yet received any positive responses to the topic I sent to you, which is as follows : Dear Sir, I received the following message on my email : ( ( Greetings XXXX, Im contacting to let you know that your funds will be transferred through online banking wier transfer, so kindly click the link below Main Website Link Pegasus XXXX Pegasus XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Without Boundarieshttps : //pegasusintb.com/ -- -- -- -- -- -- -- -- -- -- -- - Subsidiary of : BANK NAME : Pegasus Bank BANK CLASS : State Chartered - FED XXXX Bank MEMBER FDIC : Certificate # XXXX ROUTING NUMBER : XXXX XXXX Branches in Texas XXXX XXXX XXXX XXXX, XXXX, Texas XXXX Create your personal online banking account let me know when you're done so that the bank will approve it and send you the account number Thank you ) ) I, in turn, created an account through the website that sent us the link. You have sent us the account number ( ( XXXX ) ) and created the password. Then I entered the account and found a balance in it ( {$860.00} XXXX ). I accessed the transfers through the transfer icon and found it locked, so they informed me. By sending {$700.00} first so I can transfer from my account Therefore, I would like to ask you to kindly verify the validity of my account with this company affiliated with Pegasus Bank. The account number is ( ( XXXX ) ) in the name of XXXX XXXX XXXX XXXX XXXX XXXX and then kindly contact us via XXXX or via my email ( ( XXXX ) ) and verify the validity. I hope that you will not neglect us and communicate with us. 
Important note : Dear Sir, we have been contacted on XXXX by a person who says he is from XXXXXXXX XXXX and his name is ( ( XXXX XXXX ) ) and his phone number is ( ( XXXX ) ) and he asked me to send a fee of {$700.00} in order for the online money transfer icon to be opened in the account. I would like to inform you, Your Excellency. I am able to access the account daily through the website link using the account number, password, and code sent to us from the bank Please don't neglect us Dear Sir, Your Excellency 's interest in my letter and response will be respected and appreciated. Thank you very much With Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / Call : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
On the date as of, XX/XX/2023, I completed an application for a consumer credit line and was denied access to said credit line. Immediately after the delivery of this information I had received, I called the American Express Customer Service Line for Credit Services, phone number provided here : XXXX ( XXXX ) XXXX, that was provided for the dispute of such actions and related issues and was directed to the supervisor of their department. After expressing to him my rights as a consumer, expressing my knowledge of my application being turned into a promissory note that HAS value no matter what, and has been deemed lawful money on demand, I was told that I did have a claim and gave me the correspondence postage information, and directed me towards the legal department of American Express. 
I have sent written correspondence as stated in terms and conditions and as stated by a representative of the company. I have yet to hear back any kind of correspondence when they are holding a security that I have provided to them for the opening of my open ended credit account which hasnt been opened yet. the credit line that shouldve been provided to me. Because I have given something of value, a security, and have not received anything in return. Which is bottom line securities fraud, for my open ended consumer account which should have been opened. I am an investor, per their prospectus, I have provided a promissory note, and that is a security which provides all collateral necessary for the opening of the open ended credit account. This company is prolonging their process, for a matter that shouldve already been handled by now.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

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.

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 2024-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: WV

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.

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 2024-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2023 I noticed that several items in my report are incomplete and not accurate. I sent a letter to XXXX on XX/XX/2023 and asked them to investigate the completeness and accuracy. The results I received did not fix the inaccuracies. They are in violation of federal law : According to 15 USC 1681e ( b ) it states this : Accuracy of report. 
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 ( 5 ) it stats this : Treatment of inaccurate or unverifiable information : ( A ) In general if 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 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 promptly notify the furnisher of that information that the information has been modified. 
According to 15 USC 1681 ( s ) it states this ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general if, 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. 

According to 15 USC 1681s-2 it states this : ( A ) Reporting information with actual knowledge of errors, 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( I ) the person has been notifed by the consumer at the address specified by the person for such notices, that specific information is inaccurate and the information is in fact inaccurate. 
This is unfair treatment. Please fix.

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 2024-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2023 I noticed that several items in my report are incomplete and not accurate. I sent a letter to XXXX on XX/XX/2023 and asked them to investigate the completeness and accuracy. The results I received did not fix the inaccuracies. They are in violation of federal law : According to 15 USC 1681e ( b ) it states this : Accuracy of report.

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 ( 5 ) it stats this : Treatment of inaccurate or unverifiable information : ( A ) In general if 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 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 promptly notify the furnisher of that information that the information has been modified. 
According to 15 USC 1681 ( s ) it states this ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general if, 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. 

According to 15 USC 1681s-2 it states this : ( A ) Reporting information with actual knowledge of errors, 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( I ) the person has been notifed by the consumer at the address specified by the person for such notices, that specific information is inaccurate and the information is in fact inaccurate. 
This is unfair treatment. Please fix.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
XX/XX/2023, ( Ref ID - XXXX ), PayPal decided to cease offering me their financial services. I would like to escalate this matter to executive escalations as the support team is unable to resolve my concerns with my account 's status. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
Recently i did an investigation on my credit report, which caused XXXX XXXXXXXX and found unverifiable, invalidated, inaccurate and questionable items that your agencies did not make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Report Act, everything has to be 100 % on my credit report and under 15U.S.Code 1681e ( b ) and 15U.S.Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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