vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-19 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: The Best Service Co.,Inc
State: CA

Complaint narrative:
In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 ( a ) section 2 it also states consumer reporting agency can not furnish an account without my written instructions. Under 15 US 1666 ( b ) a creditor may treat a payment on a credit card account under an open and consumer plan as late for any purpose. 


Date Reported : XX/XX/XXXX Collection Agency BEST SERVICE COMPAN Original Creditor Name XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$350.00} Amount {$380.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Creditor Classification BANKING Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact BEST SERVICE COMPAN XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX XXXX Original Creditor Name XXXX  Date Assigned XX/XX/XXXX Original Amount Owed {$200.00} Amount {$200.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor Classification INSURANCE Last Payment Date Date of First Delinquency XXXX XXXX, XXXX Comments Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX CA XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Collection Agency XXXX  Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$1000.00} Amount {$0.00} Status Date XX/XX/XXXX Status PAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Creditor Classification EDUCATIONAL Last Payment Date XX/XX/XXXX Date of First Delinquency XX/XX/XXXX Comments ACCOUNT PREVIOUSLY IN DISPUTE NOW RESOLVED BY DATA FURNISHER Contact XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX NY 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 explanation
Consumer complaint received 2023-08-19 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: MA

Complaint narrative:
I've sent several disputes regarding this account, XXXX XXXX XXXX, XXXX, and they did not recognize or fix any of my disputes I've sent off. Congress gives laws to ensure fairness and accuracy of reports being made. Under 15 usc 1681, any person can not furnish information knowingly inaccurate to a report. Also, I must give written consent to do so. I never recieved any validating documentation of this account when requested and been well over 30 days of waiting, which is pursuant to 12 CFR 1006.34. They never sent how the constructed an investigation as I asked. My report must be contain 100 accuracy at all times, which they are clearly in violation of federal law.

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 2023-08-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2023-08-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
XXXX XXXX the creditor along with all credit bureaus was contacted by me ; in regard to inaccurate reporting which has negatively been impacting me. 
CAPITAL ONE AUTO FINAN Account Number:XXXX  This auto loan was paid off by my insurance carrier due to an auto accident.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19 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: MA

Complaint narrative:
I've sent several disputes to remove account XXXX XXXX XXXX XXXX  off my credit file. This alleged account is hurting my reputation of having good standings. Also, violates my human rights and federal laws. They have neglected to fix my report many times Under 15 usc 1681a, exclusions. A report does not include transactions or payment history to credit file. 
15 usc 1681b. Permissible purpose. Unless written instructions of the consumer to whom it relates. I never gave no written nor any permission to furnish in my report. 
Also, under 15 usc 1681, you can not furnish information knowingly inaccurate. 
By law my report must be 100 % accurate at all times. Clearly, this is in violation and identity theft, nobody gave permission for my information or to report.

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 2023-08-19 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: MA

Complaint narrative:
I've sent several disputes to remove account XXXX XXXX XXXX XXXX  off my credit file. This alleged account is hurting my reputation of having good standings. Also, violates my human rights and federal laws. They have neglected to fix my report many times Under 15 usc 1681a, exclusions. A report does not include transactions or payment history to credit file. 
15 usc 1681b. Permissible purpose. Unless written instructions of the consumer to whom it relates. I never gave no written nor any permission to furnish in my report. 
Also, under 15 usc 1681, you can not furnish information knowingly inaccurate. 
By law my report must be 100 % accurate at all times. Clearly, this is in violation and identity theft, nobody gave permission for my information or to report.

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 2023-08-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
PayPal : Earn 10 % Cash Back On Purchases ( Limit {$30.00} ) Paying with Paypal through XX/XX/XXXX, up to {$30.00} cashback ( XXXX rewards points ). 

I had successfully activated the promo code, and the webpage said I was eligible, and then I made a {$300.00} purchase on XX/XX/XXXX, according to which I should get 10 % within 14 days, its been 21 days today, and I still havent gotten 10 % Rebates in USD {$30.00} or XXXX points

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP
State: CA

Complaint narrative:
Unresolved Funds Transfer Issue. 

Dear Consumer Financial Protection Bureau, XXXX XXXX  Routing # : XXXX XXXX XXXX  Account # : XXXX Type : Business Checking Union Bank Routing # : XXXX Union Bank Checking # : XXXX Type : Personal Checking US Bank Routing # : XXXX US Bank Account # : XXXX Type : personal checking. 



I am writing to submit a formal complaint regarding an unresolved funds transfer issue that I am experiencing between my XXXX XXXX  account and U.S. Bank / Union Bank The details of the matter are as follows : On XX/XX/2023, I initiated a real-time external transfer of {$2800.00} from my XXXX XXXX  account to my Union Bank Account ( XXXX  with XXXX ). This transaction occurred shortly after the merger of Union Bank  into U.S. Bank. Regrettably, the funds have not appeared in my U.S. Bank account, despite having successfully used this method in previous instances. 

In my pursuit of resolution, I have engaged in communication with both XXXX XXXX  and U.S. Bank. U.S. Bank asserts that they have no record of receiving the funds, despite my provision of the transaction number and reference number for verification. They explained that only tracing numbers are considered for transaction tracking. Conversely, representatives from XXXX XXXX  confirmed the successful execution of the real-time external transfer but clarified that tracing numbers are not applicable to this specific type of transaction. 

My attempts to address this issue through the banks ' customer service channels have been unfruitful. Both institutions have shown reluctance to initiate a thorough investigation into the matter, leaving me in a state of uncertainty and concern. 

I provide both bank statements in this complaints. 

Given the complex nature of this issue and the lack of progress through conventional channels, I am reaching out to the Consumer Financial Protection Bureau for assistance. I believe that your expertise and intervention can help bring clarity and resolution to this pressing matter. 

I kindly request your intervention and support in facilitating a thorough investigation to uncover the whereabouts of the transferred funds. Your assistance in mediating this issue would be greatly appreciated, as it is essential in ensuring fairness and transparency. 

Thank you for your prompt attention to this complaint. I look forward to your guidance and assistance in navigating towards a satisfactory resolution. 

Sincerely, 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 2023-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Affirm Holdings, Inc
State: AZ

Complaint narrative:
XXXX XXXX XXXX try to illegally contact me at my moms property and officer was told on camera when Im being represented with an private attorney that i was already in an ongoing law suit with this creditor for my credit report actions and hardships i had to endure, i was then hit with a law suit to she summons in person when i told the officer i was already being represented by an attorney These people violated the state Arizona law for fdcpa regulations on approaching a debt collection thats been sold to a third party they also threatened to garnish private wages and thats also highly illegal for third party collection agency in Arizona i need this legally dissolved or they need to settle with me any way i can pay a settlement but no more then a couple XXXX due to health expenses

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
In XXXX I opened a charge store account with Comenity for specifically XXXX XXXX XXXX. I have been XXXX  credit my entire life, I was provided a {$65000.00} limit. I used the entire balance many times and paid it to XXXX. Mysteriously in XXXX when XXXX and Comenity ended their partnership, they broke their agreement to provide 0 % interest for purchase for a period of 12 months, they overbilled me and I refuse to pay them money I do not owe. I will never pay them. I am XXXX and pay all my balances in full each month. They also closed my account on XX/XX/XXXX and then couldnt report me for some reason, until XX/XX/XXXX they reopened the account to close it again and drop my credit score XXXX points. I will never pay them and they should be reviewed for ethics and their terms of service should be reviewed by the state. Do not do business with Comenity, after several email and paper mailed letters to resolve it with the bank they ignore all and say because I didnt notice the error within 60 days its not their problem. However I was on autopay set to pay my full balance in 10 months not 12 to make sure I wouldnt insure late fees and finance fees. Good luck Comenity. I will subsequently be closing all of my other Commenity accounts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-19 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: CA

Complaint narrative:
I have recently noticed I have been a victim of identity theft, someone has stolen my information and has used it unlawfully without my permission and knowledge. The following is my official statement. On XX/XX/XXXX My information was used to open an account with XXXX, I have not authorized this account nor did I know about this account. This account and XXXX other opened on XX/XX/XXXX with XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX are also results of my identity being stolen. These accounts where opened by the thief and used by the thief leaving me with the burden of paying them back however these are opened due to identity theft.

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 2023-08-19 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: CA

Complaint narrative:
I have recently noticed I have been a victim of identity theft, someone has stolen my information and has used it unlawfully without my permission and knowledge. The following is my official statement. On XX/XX/XXXX My information was used to open an account with XXXX I have not authorized this account nor did I know about this account. This account and two other opened on XX/XX/XXXX with XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX are also results of my identity being stolen. These accounts where opened by the thief and used by the thief leaving me with the burden of paying them back however these are opened due to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Capital One I am having a problem with XXXX reporting information XXXX late for this account on XX/XX/2022. XXXX and XXXX are reporting the information correctly reflective of NO late payments. 

I have reached out to the creditor previously and the information was updated for XXXX, and XXXX. I would like to have this corrected as stated No Late Payments for XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-19 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: SC

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 explanation
Consumer complaint received 2023-08-19 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: MD

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
My XXXX  year-old mother passed away last year and had a fiduciary/insurance agent supposedly taking care of her finances. As it turns out, he stole over {$750000.00} by using her bank accounts to pay off his own loans, debts, mortgage, car payments, utility bills, family trips, eating out, and just about everything that he could. He was making transfers into other accounts that were over {$10000.00}. He charged just under {$50000.00} through XXXX ( which my mom didn't even know was a company ). He brought his house out of foreclosure and sold it less than XXXX weeks after she died. He then moved out of state ( without telling anyone ) to XXXX, TN. 
The banking records were received under subpoena as the man, XXXX XXXX XXXX XXXX : XX/XX/83 ), who was also appointed as the executor to her will, stopped responding to requests made by the beneficiaries as well as the attorney that he hired from the law firm that wrote my mother 's will. She had accounts at : Wells Fargo and XXXX. 
He also " sold '' her an annuity ( that cost {$250000.00} ) through XXXX XXXX. The annuity did not list a death benefit ( although it was specified in her will ). The banks appeared to have done NOTHING to protect my mother who was a vulnerable adult from the financial exploitation ( along with countless crimes- state and federal ) that XXXX XXXX XXXX on her.

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 2023-08-19 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: LEXISNEXIS
State: MI

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 explanation
Consumer complaint received 2023-08-19 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 ( a ) section 2. A consumer reporting agency can not furnish an account late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
In accordance with the fair credit reporting act Affirm, has violated my rights. 15 US 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish my account without my written instructions. 15 USC 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-19 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: Nelnet, Inc.
State: CA

Complaint narrative:
According to U.S. 15 Code 1681 ( b ) a2 this is my statement that this account has been reported without my expressed written consent and therefore is a result of identity theft and must be removed. These accounts are not related to any transactions made by me, the consumer. 

Nelnet : Account # XXXX

Company response to consumer: Closed with explanation