vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-22 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the FCRA Section 15 USC 1692 ( c ) ( c ) : states that a debt collector may not communicate with a consumer in connection with the collection of any debt without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction1. The FDCPA was enacted to address the use of abusive, deceptive, and unfair debt collection practices by many debt collectors2. 

1. XXXX XXXX XXXX : XXXX : {$4100.00} does not owe this debt and company needs to cease communication with me and delete from my credit profile 2. XXXX XXXX XXXX  : XXXX : {$73.00} does not owe this debt : company needs to cease communication with me and delete account from my consumer report 3. XXXX XXXX XXXX : XXXX : {$4100.00} does not owe this debt and company need to cease and decease communication with me and delete account from my consumer report 4. XXXX XXXX XXXX : XXXX : Account is not reporting the right info and it violates my consumer rights pursuant 15 USC 1681. Info needs to be accurate, complete and relevant to be reported to a third party and the consumer reporting agency and the company did not receive authorization from me to report my experiences. Under 15 USC 1681 b ( 2a ) ( permissible purpose ) 15 USC 1028a ( criminal ) 15 USC 1681n ( civil liability ). this is grave identity theft and item needs to be revoved from my consumer 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 2023-08-22 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: FL

Complaint narrative:
1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I have XXXX XXXX  credit card, that's I did not authorize on my credit report that is showing negative inquiries!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: SIMM Associates, Inc.
State: FL

Complaint narrative:
I got a call from a number that displayed number with no name with a local area code, the rep made the greeting sound like it was a law firm that was calling. She then voluntarily gave personal information without knowing for fact that it was the person she was looking for. When I pressed who, what company, she was calling for, she hung up. I called back a second time and the second person was at least professional before he ended the call because he was starting to argue. The third person I spoke with transferred me to a supervisor that removed my number from being contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: IA

Complaint narrative:
At the end of XX/XX/2023 US bank put a hold on my account due to a couple of disputes I made for unauthorized and unreconized transactions. I reported US bank to the better business bureau at the beginning of XXXX due to missing money out of my account and suspicous things going on with my account like missing money then money being placed back into the account days later at XXXX XXXX in the morning. also I was being double charged for transactions I had already paid for. So i did a dispute on XX/XX/XXXX and my account was shut down and has been on hold every since even though i have papers from the bank stating the investigation was over they are still holding my money and restarting investigations they have already completed.. Im going to file a lawsuit against this bank because they are messing with my funds and trying to make it seem like im doing some kind of fraud,. the ladys name is XXXX XXXX she has my account on hold and wont release my money to me... ive called my lawyer and will be filing charges against her and US bank

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 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15USC1681 section 602 states I have the right to privacy. 15USC1681 section 604A section 2 it also states a consumer reorting agency can not furnish an account without my written instructions. Under 15USC 1666B a creditor may not treat a payment on a credit card account under an open and 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
Consumer complaint received 2023-08-22 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:
In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15USC1681 section 602 states I have the right to privacy. 15USC1681 section 604A section 2 it also states a consumer reorting agency can not furnish an account without my written instructions. Under 15USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/2023, I made a complaint to the CFPB regarding XXXXXXXX XXXX persistent refusal to correct inaccuracies on my consumer report regarding the inaccurate dollar and cents amount owed on my Capital One credit card account. XXXX continues to be reckless and negligent in fixing the error ( See Attachment ). Additionally, Capital One credit card ALSO is in violation of 15 USC 1681e by reporting inaccurate balances to XXXX because they are missing the dollars AND CENTS amount. Thus, BOTH XXXX AND Capital One are in violation of my federally protected rights under FDCPA, FCRA, UDAAP, 15 USC 1681a, AND 15 USC 1681e. They MUST ensure ACCURACY of the account on BOTH my consumer report AND credit file. BOTH Capital One, the furnisher of the information AND XXXX, the consumer reporting agency are LIABLE for these continued violations of laws!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
An international wire transfer was posted on my account, having an exchange rate of XXXX as opposed to exchange rate of XXXX. I was incurred of the wire fee of {$25.00} but with the exchange rate I was over charged 10 %.

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 2023-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I contacted XXXX about an unauthorized account on my report. I asked for it to be deleted and they assured me the account is mine without any investigation or proof of contract the original agreement. No action has been taken.

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 2023-08-22 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: FL

Complaint narrative:
1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXXdays. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXXXXXX XXXX - XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
On XXXX XX/XX/2023, I sent {$350.00} ( XXXX Pesos ) to a bank in the XXXX through PayPal. Of that amount, XXXX Pesos are still on hold. The bank is not withholding the money, so many ( XXXX ) attempts were made to contact PayPal to : 1. find out the reason for holding ; 2. expected fund release date. I was repeated told that the funds have been released to the intended recipient without offering any explanations as to why some of the money was still on hold. PayPal also repeated asked to have the recipient contact PayPal -- - I was told that I may not discuss details with PayPal -- - but the recipient has already contacted PayPal without getting any responses. As a sender, I should be able to discuss the reason why the entire money has not been released to the recipient. This is a racket and they only provide scripted responses. I also repeatedly ask for the government agency that I can report the issue to. This request has been consistently ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 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: NY

Complaint narrative:
I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM 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 2023-08-22 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: GA

Complaint narrative:
1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Inquiries that are being challenged XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX  - XXXX XXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: INDEPENDENT BANK CORP.
State: MA

Complaint narrative:
I placed an order on XX/XX/XXXX online via my phone for cookware, ad said it was free, I only had to pay the shipping. I have never received the cookware to this day. When I received my XXXX statement, there were XXXX charges. 

XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX I called Rockland Trust, and filed a dispute. They said because I gave them my card number online, there was nothing they could do, I should contact the vendor. I called them and they said I had signed up for a drawing for this cookware and said they would be happy to give me a partial credit. I said I didn't sign up for anything but the free cookware, and I only authorized {$6.00} for the shipping. She continued to argue and I explained I received absolutely nothing from them and she agreed and said it was because I didn't win. I asked her to please credit the entire amount and she said she was unable to do that. 

I called Rockland Trust back and and said I never authorized those three charges, and they said there is nothing that can do. This is just so unbelievable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Commenity Bank contacted my brother on his cell phone who doesn't live with me and I have never disclosed his name or number before. They left a message on his phone as well which I have a screen shot of the transcript.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22 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: HI

Complaint narrative:
XXXX is reporting inaccurate information for my XXXX account XX/XX/22 never been late

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 2023-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NC

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX XXXX got tickets purchased with my debit card information fraudulently. 
On XX/XX/XXXX XXXX XXXX got a reservation made with my debit card and the information was used fraudulently. XXXX XXXX gave me my money back in XXXX  days XXXX XXXX XXXX said that they don't give money back at all they were non-refundable tickets. I said not if it was fraud you have to give it back to me. My bank said that it would take 90 days and that they may not give me a temporary credit. I went to the police and the police check the ISP addresses of my device and the device that logged in to get those tickets and the reservations made they did not match mine and I was cleared. 
I gave my bank chime Bank which is backed by XXXX. 
XXXX XXXX XXXX committed fraud and made tickets and claim that I got those tickets. The post office said that no mail ever left XXXX XXXX XXXX address to mine in the last year since back in XXXX of XXXX. 
Chime Bank actually found against me because of the information sent to them by XXXX XXXX XXXX. I told my bank you have the police report proving that it was an unauthorized transaction and all you need to do is call XXXX XXXX XXXX and find they never sent me any tickets in those tickets were never claimed and those tickets were never used. 
For some reason chime Bank denied me again even with all this proof that it wasn't me and that I didn't authorize it they still gave my money to XXXX XXXX XXXX. I have asked for any new information to show why they're denying my claim. So far I have gotten nothing but my account sits in a negative because of chime Bank and deposits and withdrawals have been stopped because of that negative balance. Chime Bank refuses to pay attention to the facts and they also gave me a new card back in XXXX because of the unauthorized transaction. I really hate the fact that they're not giving me any information to show why they're denying me because the information they gave me after the first time I've already proven to be fraudulent and wrong because XXXX XXXX XXXX even wrote them and said we never did give XXXX XXXX  any tickets but we've got a XXXX for him if he ever wants to go to a future concert. I said that's my money I don't want to go to any concert I didn't pay for the first XXXX but you guys are stealing my money from me even though the police agree with me that it was an unauthorized transaction and the fact XXXX XXXX XXXX admitted they never gave me anything for the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This inquiry is not authorized and was done by the creditor without my knowledge or permission!! you must remove these inquiries as soon as possible!

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 2023-08-22 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: 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

1. 15USC 1681 section 602A. States I have the right to privacy 2. 15 USC 1681 section 604A section 2- It stated a consumer reporting agency can not furnish an account without my written instructions.

3. 15 USC 1681C a ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information, other than records of convictions of crimes which antedates the report by no more than seven years.

4. 15 USC 1681 S-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 in 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 non-monetary relief
Consumer complaint received 2023-08-22 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:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, OH XXXX Phone : XXXX Re : Dispute of Account # XXXX ( Previously : XXXX XXXX XXXX ) To whom it may concern, I am writing to formally dispute the validity of the above-referenced debt based on my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692e. This provision prohibits a debt collector from using any false, deceptive, or misleading representation or means in the collection of any debt.

Furthermore, I have concerns regarding potential violations related to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, regarding permissible purposes for furnishing consumer reports.

I also want to underscore that according to guidelines from the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ), any deceptive debt collection practices may result in severe penalties.

Please review this matter and provide evidence that supports the validity of the debt in question. If you can not validate this debt, I expect its removal from my credit report and a written confirmation once it has been done.

Thank you for your immediate attention to this matter. I anticipate a timely response. 

Sincerely, XXXX XXXX

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