vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
We received a " debt collections notice from Transworld systems , inc. for an {$84.00} supposedly from XXXX XXXX XXXX. We never received ANY communication from XXXX XXXX XXXX and when we looked at our XXXX EOB 's only one claim was filed with our insurance in the past 2 years, leaving a balance of {$12.00}. We have no way of verifying any of this to know if we actually owe this amount, and had we received a bill or any communication ( written or by phone ) we would have simply paid the bill. It seems as though this is either a scam, or at the very least, a poor attempt to collect a debt that we may or may not be responsible for. XXXX XXXX XXXX should have supplied the basic information of date of service, what was paid by insurance, and what was remaining so that we could arrange payment to them. This did NOT happen, and instead, they sent it to a collection agency with no attempts to contact us. We are not certain that we owe this amount, and can not verify it as it is past the time that we can obtain documentation from our insurance carrier. I am not even sure how to get proof that we do or do not owe this amount. It's beyond ridiculous that XXXX would not simply pick up the phone and call us prior to sending to a debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 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: NC

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: U.S. BANCORP
State: OR

Complaint narrative:
Someone has put my information out to home loan applicant U.S bank mortgage company as well as XXXX XXXX trying to pass off as me wanting a loan from them. They ran a credit check on me which impacted my credit score. All this was unauthorized by me. This credit check was made XX/XX/2023. I have already made a report to the local sheriff 's office as well as trying to contact U.S bank and XXXX XXXX XXXX When called I only got the recorded line and have yet to receive a call back. I called XX/XX/2023.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-25 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IL

Complaint narrative:
XXXX Credit Bureau account Pursuant to18 USC owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681 b. 2.Company has also No permission to report anything using my info pursuant to 15 USC 1681 4. Please delete.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I was on a tour in XXXX and the guide took us to a jewelry shop where I attempted to purchase some gold jewelry. They had me sign paperwork and charged my credit card Then they asked for my passport. I had left my passport in the hotel a couple hours away They said they would bring the jewelry to the hotel later. When they arrived at the hotel they refused to provide a certificate of authenticity for the gold jewelry. 
I asked to cancel the transaction because I was suspicious this wasn't real gold. The merchant took the jewelry and said the transaction was canceled. I have video I took with my phone of this exchange with the merchant. 
I notice that they charged my credit card. I disputed this with Capital One, they reversed the charge but a few weeks late they charged my card again. I told them I have video of the entire exchange with the merchant taking the jewelry and saying the transaction was canceled. Capital One said it is their policy they don't accept video and I should take a picture of the video to send them. But a picture of the video doesn't show, or allow them to hear, what the merchant did and said. 

I can provide the video but am having trouble with the 10mb file limit. Let me know if you need it and I can try to break up the video to smaller pieces

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Harley Davidson Financial Services Inc
State: FL

Complaint narrative:
Harley Davidson Financial Services call me and my fianc multiple times a day, including Sundays at XXXX and XXXXXXXX XXXX just to tell us we are late on our payments. We know. We have spoken to HDFS and told them we were struggling to make the payments since we were hit with a pretty big financial struggle just months after buying the motorcycle. We tried to do a voluntary repossession, and HDFS would NOT allow us to do so, at which point we said, then we will pay what we can every month until we get back on our feet financially. They call REPEATEDLY from different numbers, to where I have had to block every single number associated with HDFS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
The company IS Portfolio recovery and the amount listed on my credit report is XXXX contacted the company and asked for validation of the debt. I sent them an several certified letter to signed upon receipt to present me in writing validation of the debt. I never received any validation of the debt. I explained do not recall the particular bill. I called again on XX/XX/1923 and the representative stated that it ( debt ) is was in there legal department and I had to speak their litigation department.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: NY

Complaint narrative:
Payment history on discover account shows conflicting and confusing information. 
XXXX reports that the date of last payment was made on XXXX of XXXX, but yet it also shows that payments were made late six times in XXXX and then again two more times in XXXX. 
My question is, was this account ever verified? And if it was verified please send me copies of the documents used to verify the disputed account?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I tried to contact Capital One about not allowing me to have the full limit of the {$300.00} they promised me. It says on my credit limit that my credit limit is {$300.00} and Capital One only allows me to spend like {$250.00} can you please explain this to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 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: SC

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-25 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: OH

Complaint narrative:
These accounts do not belong to me, please block and remove according to 15 USC 1681c-2

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-25 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
These accounts do not belong to me, please block and remove according to 15 USC 1681c-2

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Since XX/XX/2023, I've sent several letters to Equifax Information Services LLC  about how they could report the following Bankruptcy XXXX XXXX  case number XXXX and the source where they received the information so I could contact them directly. I researched and discovered that the US Bankruptcy Court GA  XXXX does not report to any third-party Credit Reporting agencies . I still demand all of the verifiable proof, such as the original instrument containing my signature, Pay-off, Interest Rate, Discloser, Balance and Payment History that they have listed for the following Bankruptcy XXXX XXXX  case number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I entered into a XXXX XXXX XXXX offered by the U.S. Dept. of Education XX/XX/2021. XXXX XXXX XXXX XXXX, email : XXXX, Website : XXXX  : XXXX payment were made XX/XX/2021 {$190.00}, XX/XX/2021 {$190.00}, XX/XX/2021 {$190.00}, XXXX XXXX. A total of {$780.00}. I was told that I qualify for the loan forgiveness program and that after making all of my payments which I did, that my student loans would be completely paid off in full. However it is still on my credit report as a debt that is still. My payment of {$780.00} will go toward processing my application documents enrolling me int the federal program. I was also told that I am subject to their 100 % guarantee policy listed in my proof of enrollment. If I am not approved through the Department of Education for the selected XXXX XXXX, then XXXX XXXX XXXX will reimburse me % XXXX of my processing fee back to me. 
client XXXX document : XXXX sending agent : XXXX ( XXXX ; XXXX XXXXXXXX XXXX XXXX like XXXX XXXX XXXX ) email : XXXX  ( XXXX XXXX ) was my person of contact. Once they got my money I never heard from them again. I believe my account was sold to XXXX. 
Because of this treatment, I had to change the dates of me purchasing my real estate investment properties because my reports are not up to XXXX standards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I entered into a XXXX XXXX XXXX offered by the U.S. Dept. of Education XX/XX/2021. XXXX XXXX XXXX XXXX, email : XXXX, Website : XXXX XXXX XXXX payment were made XX/XX/2021 {$190.00}, XX/XX/2021 {$190.00}, XX/XX/2021 {$190.00}, XXXX XXXX. A total of {$780.00}. I was told that I qualify for the loan forgiveness program and that after making all of my payments which I did, that my student loans would be completely paid off in full. However it is still on my credit report as a debt that is still. My payment of {$780.00} will go toward processing my application documents enrolling me int the federal program. I was also told that I am subject to their 100 % guarantee policy listed in my proof of enrollment. If I am not approved through the Department of Education for the selected XXXX XXXX, then XXXX XXXX XXXX will reimburse me % 100 of my processing fee back to me. 
client XXXX document : XXXX sending agent : XXXX ( XXXX ; XXXX XXXXXXXX XXXX XXXX like XXXX XXXX XXXX ) email : XXXX ( XXXX XXXX ) was my person of contact. Once they got my money I never heard from them again. I believe my account was sold to XXXX. 
Because of this treatment, I had to change the dates of me purchasing my real estate investment properties because my reports are not up to XXXX  standards.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 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: VA

Complaint narrative:
To whom this may concern. I am writing this complaint on behalf of myself XXXX XXXX XXXX. On XX/XX/2023 I sent a certified letter to Equifax stating how they were in violation of 15 USC 1681 ( i ) Section B ( 2 ) Procedures and requirements related to previously deleted material. On or about XX/XX/2023 a negative account was removed from my consumer report ( XXXX XXXX XXXX ) and on or about XX/XX/2023 that same negative account was reinserted onto my consumer file. According to Congress as written in thee above law Congress states ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I was never notified nor did I authorize this Consumer Reporting Agency to furnish anything on my consumer file which clearly puts them in violation of my rights. I am DEMANDING that this negative item be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 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: LA

Complaint narrative:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: ROBINHOOD MARKETS INC.
State: NJ

Complaint narrative:
Dear Robinhood, I am writing to express my frustration with your recent restrictions on my ability to purchase and withdraw money from my account over a simple repetitive transaction ; it's not like it's a foreign or out-of-state or first-time transaction. It's a transaction I make every day. As a loyal customer, I have always relied on your platform to manage my investments and complete trades quickly and efficiently. However, I was recently informed that I am being restricted from purchasing stocks and that my ability to withdraw funds from my account has been limited. This has caused me great stress and inconvenience as I rely on these funds for my daily expenses and investments. I understand that Robinhood is responsible for protecting its users from potential risks. However, these restrictions are unfair and unnecessary, limiting my ability to make informed decisions about my investments. I urge you to reconsider these restrictions and work with your users to find a fair and equitable solution for everyone. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I usually and regularly carry a very high credit rating. I make sure I pay my bills on time, keep no balance on credit cards, and just take basic care to keep the rating high so I can get lower interest rates when applying for credit. Two things happened this month : 1 ) I paid a {$2500.00} deposit on my wedding hall  on my credit card and 2 ) The XXXX XXXX clerk in the store, inadvertently thought I wanted to apply for a credit card, when I only asked to check if my existing XXXXXXXX XXXX card was still active. Once I realized they were processing a new card, I asked them to stop. I do not want another card. But that inquiry had already gone through. I only knew this because I got a email from Experian stating that an inquiry was made. I logged onto my Experian account and saw they had DECREASED my credit rating by XXXX points for this activity.. This, despite the fact that I maintain a high XXXX XXXX XXXX credit rating on a regular basis. Now I have to put my new car shopping on hold until I pay off this month 's balance ( again, something I do every month ) so that I get a better rate when they look at my credit score. My complaint is why are these reporting agencies allowed to make substantial changes to our credit ratings for MICRO activity that does not take into account someone's overall financial history and status?? Average Americans who do the right thing on a regular basis are constantly being hammered by these reporting agencies and it affects us financially. I would like to know what, if anything the CFPB can do to rectify this very disturbing and frustrating situation? 

I think this a problem ANY conscientious CONSUMER has and wholeheartedly agree to having my complaint published, but please remove my personal information. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: GA

Complaint narrative:
Someone took money out my account from chime without my permission and used a XXXX  to send money to their account and chime will not refund my money back

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Thank you and bless you so much. The XXXX XXXX credit card company XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. Reported that my XXXX  card is 85 percent ratio usege.according to what I have up on the monitoring wall my balances should not be 85 percent high. I don't miss any payments on the card and I call in the payments every month. Because of this recent XX/XX/XXXX reporting to Experian my score dropped 5 points. I believe that I could have been wrongly singled out and that my good credit worthy trust by XXXX was not placed into any consideration. My last name is XXXX. I believe that this is unfair and can seriously damage my future lending journey since it even hurt my good credit score. I don't know what's going on. All I know is that I had filled A complant with you a couple weeks ago regarding this category. Please help me.i am hurt over this because I take my credit worthy Ness seriously. Bless you and thank you too. I am a moral responsible person and I do not miss payments.

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