vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My credit report does not include transactions or experiences. According to the U.S. code below. I dont understand why TransUnion XXXX XXXX and XXXX are reporting late payments to my consumer report, but it is clearly illegal to report transactions more specifically late payments to my consumer report. More specifically my XXXX ACCOUNTS and MANY OTHERS, Are being reported as late payments, which is clearly illegal as you are reporting transactions on my consumer report. They should say ok or paid as agreed. I want this reversed and changed immediately because my rights and the law have been violated. I am demanding that my consumer report be thoroughly investigated for all late payments from past to present and for them to be reversed, and shown as OK or paid as agreed. A consumer reporting agency does not have the authority or according to the U.S. law to report transactions or experiences. Furthermore : According to 15 U.S. Code 1681a - Definitions ; rules of construction ( d ) Consumer Report. 
( XXXX ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for U.S. Code 1681s-2-Responsibilities of furnishers of Information to consumer reporting agencies ( a ) Duty of furnishers Information to provide accurate Information 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 15 USC 1681a 2 ( A ) ( i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) containing information solely as to transactions or experiences between the consumer and the person making the report ; These are the parameters according to U.S. law what a consumer report should actually contain. As you can see, there is nowhere where it says transactions should be included or even reported. Any transactions or experiences are to be excluded. 

I demand late payments to be removed from my consumer report and reversed to OK or paid as agreed. Any further violation of my personal consumer report will lead to prompt litigation. 

I demand all late payments, showing on my consumer report after a thorough investigation into this matter to be reversed. 

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 non-monetary relief
Consumer complaint received 2023-12-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
just got notification that i had a delinquent account for the first time in my life. credit card that i have had for over 10 years on autopay somehow stopped making payments XXXX statements ago. logged in and found i was no longer enrolled in billpay at all. called bank of america and they said because i closed their checking account the credit card payment migrated to a different system and everything was cleared. i was never notified of this change and that i would have to resetup autopay. they basically said it was my fault that they turned off autopay and they wouldnt do anything to resolve it.

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 monetary relief
Consumer complaint received 2023-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
My dad sent me {$1800.00} XXXX XX/XX/XXXX to put down on an apartment. I initially tried to pull all {$1800.00} out and it wouldnt let me so I pulled out {$900.00} in increments of {$300.00} over the course of a day per the instructions of their customer support. Then I logged on yesterday to try pulling off the rest and was told I was permanently banned from the service and they would be holding my money for 180 days. In the meantime Im going to be made homeless. I called customer support today and they couldnt have cared less she would give me information on this made up fraud or why money from my dad is risky or anything else. I didnt do anything fraudulent. I need MY money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 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:
On XX/XX/2023 I called ( XXXX ) XXXX ( the automated system verified my account by hanging up and calling me back ) to inquire about a refund from XXXX in the Amount of {$48.00} for a product that I didnt receive. There was only {$6.00} deposited and I was inquiring why while I was put on a brief hold there was roughly a {$150.00} that was moved out of my account and the balance showed {$0.00} and the called dropped. 
I called back ( XXXX ) XXXX the automated system verified my account by hanging up and calling me back. I was explain that I was on the phone with a representative and she was checking on a partial refund from luminess as I was explaining that the {$150.00} that was moved to my checking account which made it a total of {$340.00} the total went to {$0.00} so now my checking and and credit builder count has been depleted and the call dropped. 
I called ( XXXX ) for the XXXX time I explained to the representative that I called to inquire about a partial refund today I was given as I was on the phone with the representative my money was moved from my credit builder account account into my checking account then transferred to someone That I dont know who it is it was stolen while I was on the phone with your customer service. 
I have been given the run around for a week and a half with you all I am very dissatisfied as a customer I have been given a different story every since the day I have called to file a report. My money was stolen Im just asking out for justice. As of XXXX XX/XX/2023 XXXX XXXX I have filed my 15 Rebuttal and still have yet to receive any documentation on how they determined a denial! 
Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
I am writing to express my dissatisfaction and concern regarding the debt collection attempts made by Transworld Systems Inc. ( TSI ) in connection with an account associated with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I received a response to my debt validation letter, which was sent by certified mail on XX/XX/2023, dated XX/XX/2023, and I would like to bring to your attention the inadequacies in the information provided. 

In my debt validation letter, I specifically requested details about the authority to collect the debt. However, the response from TSI did not provide any information in this regard. To facilitate a meaningful discussion about the debt, I would appreciate your prompt attention to the following questions : I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, kindly provide the reason for not having one. If so, please furnish the date of the license, the name on the license, the license number, and the name, address, and telephone number of the state agency issuing the license. 

If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address, and telephone number of the state agency issuing the license. 

Furthermore, I would like to highlight that TSI has added its own personal interest charge to the debt, resulting in an inflated amount. It is my understanding that adding personal interest charges is illegal. The principal amount owed to XXXX was {$1300.00}, and according to the debt validation letter, the current amount owed is now {$2400.00}. 

I insist that TSI rectify these discrepancies and provide the necessary information in compliance with debt collection regulations. Failure to do so may result in legal action to protect my rights as a consumer. 

I request that you address these concerns promptly and provide a detailed response within 30 days from the date of this letter. Your cooperation in this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: FL

Complaint narrative:
Discharge Date : XX/XX/2015 from the hospital and was unable to pay co-payment after insurance. It went into collections and is now over XXXX XXXX XXXX. XXXX, XXXX and XXXX is a third-party collection agency who bought the debt later and refuses to delete it from my credit. this original debt is over XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
My bank reached out to me about a transaction on my account from a company called XXXX in the amount of XXXX my bank reverse the transaction and cancelled my card and I just got this card. I went to the site and others are going through the same thing with this company. Please help!

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 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2023-12-08 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I am writing to seek your assistance and intervention regarding an ongoing issue with a collections agency, National Credit System which has been attempting to collect a debt from me that has not been adequately verified.

I first became aware of this debt when I reviewed my Credit Report. However, I have not received a letter, call or notification from National Credit System.it I have not received any documentation that provides any detailed information or documentation to substantiate the validity of the debt.

I promptly reached out to National Credit System Via phone in XXXX, 2023. They couldnt not provide any detailed proof of debt other than Original Creditor, Account number and date. I then reached them via email with no reply back. I proceed to reach the collection agency by sending a request for debt validation via certified mail sent on XX/XX/2023. In my letter, I requested that they provide me with the necessary documentation, such as valid proof of the alleged debt. The original creditor 's contract, and proof of their authority to collect the debt. 

I have called, sent emails and a certified letter with proof that I do not owe this debt. I believe this debt to be a fraud from original creditor. 

Despite my request, I have not received any documentation or verification from National Credit System to date. It has been 6 months since I initially contacted them, and I remain concerned about the validity of this debt. 

Consumers have the right to receive proper verification and documentation when dealing with collections agencies. This not only protects consumers from potential unjust collections but also ensures fair and ethical practices within the industry. 

I kindly request your assistance in this matter. 

I have requested proof of damages being reported and the reason for this collections but no proof has been provided by the collections agency or the original creditor ; other than the false accusations of landlord to collect. I have provided proof to the collections agency of the state of the premises when we left. Annual inspections were done and we always passed them. For the Final inspection the representative XXXX XXXX did not show up. She then claimed our deposit was being returned and it would reach us via mail. Months later she then sends a collections letter with false accusations. You may look into XXXX XXXX she seems to be doing this to many tenants.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

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 2023-12-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Central Portfolio Control Inc.
State: TN

Complaint narrative:
Received notice of collections from Central Portfolio Control of a debt I had no knowledge of. I informed the company via their website and via certified mail that I was disputing the debt and I requested proof of debt as per their instructions. Central Portfolio Control did not provide any information to support the claim of debt for collection and reported the collection to the credit bureaus, damaging my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Credit reporting 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:
Dear TransUnion I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX XXXX  : Account number : XXXX, Inaccurate. Account type information needs to be resolved. 

XXXX XXXX : Account number : XXXX, Inaccurate. Account type information needs to be resolved. 

XXXX XXXX : Account number : XXXX, Inaccurate. Account type information needs to be resolved. 

XXXX XXXX : Account number : XXXX, Inaccurate. Account type information needs to be resolved. 

XXXX XXXX : Account number : XXXX, Inaccurate. Account type information needs to be resolved. 

XXXX XXXX | XX/XX/2022 : Account number : N/A, Inaccurate. Account type information needs to be resolved. 

XXXX XXXX | XX/XX/2022 : Account number : N/A, Inaccurate. Account type information needs to be resolved. 

XXXX | XX/XX/2022 : Account number : N/A, Inaccurate. Account type information needs to be resolved. 

XXXX  XXXX : Account number : XXXX, Inaccurate. Account type information needs to be resolved. 

XXXX  XXXX : Account number : XXXX, Inaccurate. Account type information needs to be resolved. 

XXXX XXXX XXXX : Account number : XXXX, Inaccurate. Account type information needs to be resolved. 

XXXX XXXX XXXX : Account number : XXXX, Inaccurate. Account type information needs to be resolved. 

XXXX XXXX : Account number : XXXX, Inaccurate. Account type information needs to be resolved. 

XXXX XXXX : Account number : XXXX, Inaccurate. Account type information needs to be resolved. 

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 



Thanks.

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 2023-12-08 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:
I was charged {$470.00} by XXXX XXXX for a XXXX subscription I never authorized or do I even use you tube my son used my card with out my permission

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 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been sending information and notifications to the bureaus for months to dispute some accounts that are in my credit and I think they are not accurate, and they have never answered to this. The have never responded to me, even by email. According to the law, they have to report what is happening with my case. I think this is unfair that I have to come to this for them to take me into account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Looking Through My Postcards From My Travels, I Noticed a Receipt. On XXXX XXXX Someone With A Credit Card ( An Old Credit Card Number I Once Had ) From Wells Fargo Charged an Amount of Around XXXX XXXX. Dollars at the XXXX XXXX in XXXX. 

Now, The Truth is Stranger Than Fiction. I Had to Close My Account Because My Father XXXX XXXX XXXX Steals From My Account Because They Would Not Allow Me to Change My Account From XXXX XXXX When I Had Initially Told Them I Was XXXX XXXX XXXX XXXX 

I am XXXX XXXX XXXX But There Are at Least XXXX XXXX XXXX. Do You See the Problem? 

So I Believe, They Cloned My Debit Credit Card and Pigbacked On Another Account They Had On My Name With My Social Security. 

Sounds Farfetched But It is Very Easy With the Number of Hackers in This Century. 

So, I am Filing a Complaint Against Wells Fargo That Should Also Go to The Justice Department For Cloning My Card and Stealing My Identity. 

Thank You, XXXX XXXX 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 monetary relief
Consumer complaint received 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the XXXX XXXX compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRAXXXX XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.

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