vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-15 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: CA

Complaint narrative:
I recently disputed some accounts they were inaccurate on my credit report. I noticed after the investigation was completed that my XXXX XXXX  card has been blocked from use. This account was not part of the investigation and after speaking with the credit bureaus, they confirm that they had not sent any letters to XXXX to have this account blocked. I then spoke with XXXX, and they said that the account was blocked because the credit bureaus had sent them a letter, I have been going around in circles trying to correct this. 

This account was never in my initial dispute, if any information provided by the credit bureaus to have this account blocked from being used. Please send them the. XXXX they are requesting to have it unblocked from you and there is no fraud attached to this account.

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 2023-04-15 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 recently disputed some accounts they were inaccurate on my credit report. I noticed after the investigation was completed that my XXXX XXXX card has been blocked from use. This account was not part of the investigation and after speaking with the credit bureaus, they confirm that they had not sent any letters to XXXX to have this account blocked. I then spoke with XXXX, and they said that the account was blocked because the credit bureaus had sent them a letter, I have been going around in circles trying to correct this. 

This account was never in my initial dispute, if any information provided by the credit bureaus to have this account blocked from being used. Please send them the. XXXX they are requesting to have it unblocked from you and there is no fraud attached to this account.

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 2023-04-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I recently disputed some accounts they were inaccurate on my credit report. I noticed after the investigation was completed that my TD Bank/target card has been blocked from use. This account was not part of the investigation and after speaking with the credit bureaus, they confirm that they had not sent any letters to target to have this account blocked. I then spoke with target, and they said that the account was blocked because the credit bureaus had sent them a letter, stating that there was fraud on the account. This account was never in my initial dispute, or was any information provided by the credit bureaus for them to have this account blocked from being used. The creditor has not provided any proof of them receiving information from the credit bureaus to validate. I can also provide proof of my identity in a letter, stating that this account is not fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Attach to this message is a screenshot of the amount That this collection Agency states that I owe. All of the information on the screenshot listed is incorrect. They have reached out to my employer have threatened to Sue me to try and collect this Incorrect debt which I have no recollection of or have any signatures Or consent tied to this. This collection has just been going up on my XXXX XXXX Almost every month it seems. Starting at XXXX XXXX, XXXX, to now up XXXXthe debt just increasingly goes up every time slightly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: CA

Complaint narrative:
Stayed at a XXXXXXXX XXXX XXXX XXXX  middle of XXXX and found out a couple days later that I was charged an extra {$500.00} fee. I asked the hotel about it and they told me it was a smoking fee. I never smoked in my hotel room. I told the hotel they made a mistake and there is no way someone smoked in my hotel room. I disputed the charge on my credit card with my credit card company called Discover. They refuse to remove the charge despite the hotel having no proof ( XXXX evidence! ) of smoking in my room during my stay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: SLM CORPORATION
State: TX

Complaint narrative:
I paid off my Sallie Mae loan in full on XX/XX/XXXX, as agreed ending in XXXX. Upon creating the loan, I opened the loan in my name " XXXX XXXX XXXX '' but had to utilize a co-signer, so my father assisted " XXXX XXXX XXXX ''. 

I have reached out to Sallie Mae by official mail, email, and phone and have not been able to resolve the issues outlined : 1 ) Credit Bureaus are not reporting the loan as paid in full, paid as agreed, and closed for my credit, and my fathers. 

2 ) There is one late payment through the entire duration of the loan showing 60 - 89 days late in XX/XX/XXXX. I have already spoken with Sallie Mae, provided documentation, and this was supposed to be removed accordingly as I was in forbearance during this time and requested continued forbearance which was approved but for some reason their system did not recognize it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX account has violated my rights. 

15 USC 1681 Section 602 Stated I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B stated 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 2023-04-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Titanium Funds
State: UT

Complaint narrative:
On XX/XX/2023 I received a car from them. 
Other than the fact that they prey on people in tough situations with absurd APRs, overpricing their vehicles ( XXXX for a vehicle valued at XXXX ), they're also thieves and frauds. They took the car back before I even had a chance to make my payment because " my paystubs were fake ''. When I offered him to come talk to my employer directly for proof, suddenly my XXXX wasn't interested. I called to see when I can retrieve my tools out of the car ( worth around XXXX dollars ), was told I can come in Friday after work. 

I went in, XXXX said " the shop is closed and I can't get them, but I should be able to get them on Monday. '' I wasn't able to come before Tuesday, and suddenly their place was " broken into '' and no Tools of mine were found anywhere. Funny how that works. 
When I asked for camera footage for a police report XXXX said " they have no cameras ''. A dealership with XXXX  of XXXX  of dollars in cars doesn't have any surveillance? yeah right. 

I spoke to a few other employees and none of them were aware of any break ins somehow. 

I have attempted several times to pick up my tools and have good reason to believe I am being lied to and my tools were stolen by someone at the dealership. Its also possible they sold the vehicle to someone else without looking ( several of their vehicles we looked at had belongings, including the addresses of previous owners ) and needed an excuse to come up with why my tools are gone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Chase Mortgage was in the process of reporting my Mortgage paid in full and never accomplished the task. I called the organization and they have never responded or never showed paid in full. The mortgage I am fully satisfied with why are they not showing paid?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 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: GA

Complaint narrative:
I did not provide TransUnion with written permission to report any of these accounts that I am requesting to be removed. That is a violation of 15 U.S. Code 1681b ( a ) ( 2 ) ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

This leads way to identity theft.

The definition of a credit card per 15 U.S. Code 1602 ( l ), means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

I did not provide a company with consent to share my credit card ( ID, SSN, etc ) with another entity ( TransUnion ) this is a violation of 15 U.S. Code 1681s-2 ( a ) Block Except as otherwise provided in this section, 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 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

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 2023-04-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: American Coradius International LLC
State: MI

Complaint narrative:
Received a letter from American Coradius International LLC ( XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX NY XXXX ). 

The letter stated that American Coradius International LLC is a debt collector and that I owed XXXX {$38.00}. 

I have not responded to this letter as I have NEVER had a XXXX account or used XXXX in any manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Convergent Resources, 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. 
XXXX XXXX XXXXXXXX, 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 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 2023-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: MN

Complaint narrative:
A deposit came through my account on Friday, XX/XX/XXXX to chime from my college XXXX university. Chime advertises that they do not hold money but chime received my deposit and they wont release it to my account and they dont do deposits on the weekends which intern cause me to deal with some issues in regards to my finances, I talked to a manager at Chime and he stated that they do not do deposits on the weekends. They advertise they dont hold peoples money but if a deposit comes through on a Friday night into Saturday morning, they will hold it till Monday and thats not fair to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
Received a letter from XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ). 

The letter stated that XXXX XXXX XXXX XXXX is a debt collector and that I owed PayPal {$38.00}. 

I have not responded to this letter as I have NEVER had a PayPal account or used PayPal in any manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I received notice on XX/XX/XXXX from XXXX XXXX, through XXXX XXXX XXXX XXXX, that a credit card account had been opened fraudulently in my name. After further investigation, I discovered the account had already accrued a debt of around $ 1,600- {$1700.00}. I discovered that this purchase had taken place online and was picked up in XXXX, CA while I remained over a 2 hour drive away in my home in XXXX XXXX. I immediately took action and reported in good faith to their fraud services department and the FTC. I also called the XXXX XXXX where the pickup took place to report it, as well as freezing my credit. I was told on XX/XX/XXXX by XXXX XXXX XXXX XXXX that the investigation would be resolved by XX/XX/XXXX. I heard nothing until XX/XX/XXXX, when I started to receive debt collection calls & notices without any further information on the resolution of the fraud claim. Their company 's representatives have still not given me a definite answer on what was happening despite repeated attempts at clarification via phone : First, stating on XX/XX/XXXX via phone call that the investigation was still ongoing and then later claiming on XX/XX/XXXX via phone call that there was no notice of a fraud claim on the account. Meanwhile, they have continued to harass me with numerous phone calls ( 3 calls a day, 6 days a week ) without offering any resolution on this clearly fraudulent account through a card service I have never had a relationship with. I have also opened a new Identity Theft Claim with the FTC on XX/XX/XXXX as this matter has clearly not been resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-15 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: LEXISNEXIS
State: AZ

Complaint narrative:
my XX/XX/XXXX Lexis Nexis report is WRONG ( see attached ). 
XXXX XXXX XXXX XXXX laced my Lexis Nexis report with false entries with ( fraud & violation of FCRA ). 
I do not own XXXX XXXX 
I do not have insurance XX/XX/XXXX thru XX/XX/XXXX on XXXX XXXX 
XXXX XXXX FRAUDUENTLY LACED MY LEXIS NEXISW CREDIT REPORT WITH FALSE ENTRIES and they are accountable to DELETE XXXX XXXX immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 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: GA

Complaint narrative:
I did not provide the credit reporting agencies with written permission to report any of these accounts that I am requesting to be removed. That is a violation of 15 U.S. Code 1681b ( a ) ( 2 ) ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

This leads way to identity theft.

The definition of a credit card per 15 U.S. Code 1602 ( l ), means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

I did not provide a company ( company reporting ) with consent to share your credit card ( ID, SSN, etc ) with another entity ( Equifax ) this is a violation of 15 U.S. Code 1681s-2 ( a ) Block Except as otherwise provided in this section, 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 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The information is not information relating to any transaction made by the consumer ( me ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Dear Sir/Madam, I am writing to file a complaint against EQUIFAX, a credit reporting agency, for violations of the Fair Credit Reporting Act ( FCRA ). EQUIFAX has reported false personal information and information not related to my legal identity, specifically, my legal name, is incorrect.

The FCRA mandates that credit reporting agencies maintain accurate and complete information about the individuals whose information they report. Under section 607 ( a ) of the FCRA, credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information they report. On XX/XX/2023 ( today ), I obtained a copy of my credit report from EQUIFAX and discovered that my personal information was incorrect. Specifically, my legal name is completely incorrect. This error by EQUIFAX has led to reporting information not related to my legal identity. 

Section 607 ( b ) of the FCRA, 15 U.S.C. 1681e ( b ), states that credit reporting agencies must use reasonable procedures to ensure maximum possible accuracy of the information they report. Despite this legal obligation, EQUIFAX has been reporting information not related to my legal identity, including credit accounts and delinquencies that do not belong to me, causing harm to my credit score and stifling my financial opportunities. As evidence to my complaint and to verify my identity, I have attached a copy of my government-issued driver 's license. 

As you are aware, 15 U.S.C. 1681g ( a ) ( 1 ), requires that credit reporting agencies provide consumers with access to their credit reports and investigate disputed information within a reasonable period. Furthermore, section 610 ( b ) of the FCRA requires credit reporting agencies to investigate any disputed information and make necessary corrections or deletions. I am therefore appealing to the CFPB to take immediate action and require EQUIFAX to investigate this inaccuracy in my legal name and remove all incorrect personal information and any information related to the incorrect personal information from my credit report. I also request that EQUIFAX conduct a thorough investigation into the accuracy of my credit report and provide me with a copy of the corrected report within 30 days. 

I am looking forward to a prompt resolution of this matter. Please let me know if you require any additional information from me. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Despite my never once being 30-days late, my exorbitant interest rate has made paying this credit card in full completely impossible. 

I previously disputed the charge below as the first set of eyeglasses that I received were damaged. While the company did replace the damaged eyeglasses, they replaced them with a pair in which the bifocal prescription is defective. While I can not see out of these brand-new glasses and they are of no use to me because I can not see to read out of them, Chase has rebilled my initial credit from my dispute of the original damaged eyeglasses and Chase representatives have repeatedly refused to place a new dispute on the defective replacement pair. 

{$180.00} Transaction date XX/XX/XXXX Posted date XX/XX/XXXX Merchant info XXXX XXXX XXXX XXXX 
Description XXXX XXXX XXXX XXXX. 
Also known as XXXX XXXX Merchant type XXXX  Method Online, mail or phone Card number ( ... XXXX ) Category Health & wellness Worst of all, representatives of this bank have repeatedly promised authorized XXXX XXXX relief and to date, no such relief has been provided.

Company response to consumer: Closed with explanation