vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-11 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Problem with direct deposit
Company: U.S. BANCORP
State: NY

Complaint narrative:
I have this bank called U.S. Bank and I have a focus prepaid card that I have received from an old employer. I had just gotten a new job a few months ago and normally I receive my payments on time with them but for the past two weeks I have not received my two paychecks in that card. I was told by my bank on XXXX that they were conducting a maintenance system update, which is why a lot of people who used this bank have not had their balances updated received deposits, or have been able to use their cards. They said that the issue would be resolved between XX/XX/XXXX and XX/XX/XXXX but I still have not seen any changes in my balance because my two checks did not go through. I had called the bank two days later in the beginning of XXXX to ask if the maintenance has been resolved and they said that they dont know when it would be resolved. I waited two more weeks to call because I didnt receive another check and they told me that they didnt understand what I was talking about, that Im talking about a system maintenance that happened in XXXX, that there is not system maintenance and that I need to talk to my employer about the issue. My employer told me yesterday that they had emailed my pay provider company and they said my two checks are pending because they didnt go through. The banker on the phone was rude to me and did not help me at all with my issue. I was suppose to receive my checks on XX/XX/XXXX and XX/XX/XXXX. A lot of people have been having issues with this bank playing games with their money and accounts. I hope that this issue gets resolved and that the bank receives consequences for their actions.

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 2023-06-11 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: LA

Complaint narrative:
The Creditor XXXX XXXX XXXX  is not licensed to collect a debt in the state of XXXX  per the nmls consumer access they are not the collector of a debt that start with XXXX XXXX XXXX the moved to XXXX XXXX XXXX then moved to this office but XXXX XXXX XXXX is reporting negative collections on my credit report when I call number listed on Experian XXXX XXXX XXXX states they no longer have my file and they can not access my records and I need to call the law office of XXXX XXXX XXXX XXXX. So if this law office has my file how are you legally reporting information to Experian and XXXX and how is XXXX and Experian verifying a debt that is no longer being reported to your office how was this debt for national credit verified and validated if another collection agency has the same account after reading so many complaints about this law office and national credit system I dont understand how an full investigation on their collection tactics and bad business practices by XXXX XXXXXXXX XXXX and the reporting agencies such as Experian and XXXX have be investigated for failure to comply with the FCRA requirements and laws Might I added supporting stated a balance of XXXX when I began to dispute the balance as Inaccurate and incomplete which is violation of 15 usc 1681 questioning why is XXXX they sent a document with added a fee on XX/XX/2022 of XXXX as a collection fee. I also spoke to XXXX XXXX XXXX contact XXXX at XXXX XXXX of XXXX XXXX XXXX pc she supplied me with his email bc she was also confused as where the additional XXXX was added from I sent multiple emails on my concerns and there was no response i later called back and she was very unconcerned and ready to Release the calls when I pointed out the violation of the FCRA laws bc it was time for them To leave for XXXX  Day weekend instead of attempting to Right what has been done wrong to my rights to a fair and complete and accurate credit report Per the Nmsl consumer access website

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 2023-06-11 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: NY

Complaint narrative:
I have viewed my consumer report account XXXX # XXXX and noticed that your company is in violation of law under 15 usc 1681 b- permissible purposes of the consumer report The Law clearly states subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this account on my credit report? 
Furthermore 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a credit report clearly states : ( a ) EXCLUSIONS-Except as provided in paragraph ( 3 ) the term consumer report does not include - ( A ) subsection 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between consumer and the person making the report : Delete the above account from my consumer report, this agency is in violation of 15 USC 1681. 

Also inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX needs to be removed from report .I did not give written instructions or authorize this account on my report! This is violation of 15 USC 1681 b

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-11 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: NY

Complaint narrative:
I have viewed my consumer report account XXXX # XXXX and noticed that your company is in violation of law under 15 usc 1681 b- permissible purposes of the consumer report The Law clearly states subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this account on my credit report? 
Furthermore 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a credit report clearly states : ( a ) EXCLUSIONS-Except as provided in paragraph ( XXXX ) the term consumer report does not include - ( A ) subsection 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between consumer and the person making the report : Delete the above account from my consumer report, this agency is in violation of 15 USC 1681. 

Also inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX needs to be removed from report .I did not give written instructions or authorize this account on my report! This is violation of 15 USC 1681 b

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 2023-06-11 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I have made numerous attempts with all three credit reporting agencies to get the personal information fixed on my credit report, that includes names and addresses that are incorrectly published on my credit report. This has to be corrected, as it is harmful to my life and ability to receive credit.

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 2023-06-11 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: Prosper Marketplace, Inc.
State: MS

Complaint narrative:
Prosper Credit card sent a new card to someone with an increased limit {$1400.00}. I reported that I did not request nor receive a card and I had reported more than once for them to close the card in XXXX and in XXXX. They refused to closed the card and I did not know this until, they billed me for an annual fee on a card that was supposed to be closed. Then they mail a card with an increase to someone in XX/XX/XXXX. 
My home owners insurance trippled in XX/XX/XXXX due to Prosper reporting to the credit bureau that I was late or had not paid the annual fee. This blindsided me as I had told them last year to close this card because I did not need it and was not using it. My home owners insurance increased from {$1200.00} per year to {$3000.00} per year due to them reporting false information to the credit bureau which caused my credit score to decrease drastically, especially XXXX went to XXXX. This really hurt my credit score and caused major financial hardship to me. 
XXXX. I want them to eliminate the fee which they charged to a closed account. 
XXXX. Correct this information with the credit reporting agencies.

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 2023-06-11 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I disputed with Transunion about a XXXX XXXX XXXX due to immaculate information. They sent me back saying dispute resolved i never recieved any information on how this account was verified no paperwork was sent to me with my accurate information & i was never told how this account was verified as mine. I am trying to get a vechicle to make it to work to support my family and this account is stopping me from doing so.

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 2023-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
I am writing to express my ongoing concern about the disputed debt referenced in CFPB Case # : XXXX ( Upload response letter from Dept Collector on the original case I was not able to respond back to ). Despite my repeated requests, I feel that the debt validation provided by Resurgent Capital Services on behalf of LVNV Funding LLC has been insufficient and not in alignment with my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

While I acknowledge the documents they have provided so far, I must reiterate that these alone do not adequately validate the debt in question. XXXX credit statements, Resurgent letters, and an account summary from Resurgent Capital Services, without the original credit agreement bearing my signature or detailed account statements from XXXX XXXX, do not provide the necessary evidence to confirm this debt as mine. 

In addition, the Transfer and Assignment document, though it points to a transaction between Resurgent Acquisitions LLC and LVNV Funding LLC, lacks specific information about my individual account. Without the attached Exhibit A or evidence showing a clear chain of assignment from XXXX XXXX to LVNV Funding LLC, it is not possible to affirmatively link this debt to me. 

It is not my intent to avoid a legitimate debt ; however, I must insist on exercising my rights to ensure that this debt is indeed mine before taking any further steps. Therefore, I am again asking LVNV Funding LLC and Resurgent Capital Services to provide a thorough validation of this debt, specifically : 1. The original credit agreement from XXXX XXXX that bears my signature. 
2. Detailed account statements from XXXX XXXX showing the progression of the debt. 
3. A copy of Exhibit A, which lists my specific account as part of the transferred assets. 
4. Proof of each assignment of this debt from the original creditor to the current debt holder. 

I firmly believe it is inappropriate for this disputed debt to continue being reported to credit bureaus before it is fully validated. I kindly request that this process be expedited to resolve this issue. 

Thank you for your immediate attention to this matter. I await your response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NC

Complaint narrative:
There is a debt of {$3100.00} from XXXX XXXXXXXX XXXX  ( handed over to Jefferson Capital System ) that was opened fraudulently XXXX XX/XX/2021 while I was XXXX in XXXX and I have been harassed about this ever since. I have submitted 3 disputes to XXXX and XXXX. This company continues to call and harass me as well as mail me statements claiming they will reduce it if I pay a certain amount. On XXXX XXXX, it shows on XXXX and XXXX but when I log into XXXX site it does not show at all. I am not liable for a loan I never requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11 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: TX

Complaint narrative:
The XXXX XXXX XXXX XXXX started reporting negatively on my credit report XXXX of XXXX, had XXXX XXXX XXXX virus. Again on XX/XX/XXXX they reported negatively on my credit report and against n I had XXXX XXXX. I call on both occasions to prevent negative credit reporting during this time of unrest and as stated in the XXXX XXXX CARES ACT. My problem is I called both times and both times I was told dont worry since I called in they will make note and it should not go against me. Well it did and it has effected me negatively with adverse credit scores.

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 2023-06-11 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: TX

Complaint narrative:
The XXXX XXXX XXXX XXXX started reporting negatively on my credit report XXXX of XXXX, had XXXX XXXX  XXXX virus. Again on XX/XX/XXXX they reported negatively on my credit report and against n I had XXXX XXXX. I call on both occasions to prevent negative credit reporting during this time of unrest and as stated in the COVID 19 CARES ACT. My problem is I called both times and both times I was told dont worry since I called in they will make note and it should not go against me. Well it did and it has effected me negatively with adverse credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The XXXX XXXX XXXX XXXX started reporting negatively on my credit report XXXX of XXXX, had XXXX  XXXX  XXXX virus. Again on XX/XX/XXXX they reported negatively on my credit report and against n I had XXXX XXXX. I call on both occasions to prevent negative credit reporting during this time of unrest and as stated in the COVID 19 CARES ACT. My problem is I called both times and both times I was told dont worry since I called in they will make note and it should not go against me. Well it did and it has effected me negatively with adverse credit scores.

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 2023-06-11 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-06-11 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: NY

Complaint narrative:
XXXX XXXX # XXXXXXXX XXXX XXXX XXXXXXXX my account was never 30 days late. account was only approved for deferal. 
please remove these 30 day late for each month noted. 
i am entitled by FCRA to request this be corrected and removed.

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 2023-06-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
I have tried to resolve my issues with Kohl concerning my non public personal information being reported to consumer reporting agencies. I am not liable for this debt. They have violated my federally protected consumer rights 15 USC 6802 ( b ). They did not allow me the option to opt out from reporting transactions and experiences. The only resolution is to delete immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: TN

Complaint narrative:
I closed my chime account due to hackers and was assured I would receive a check for XXXX it's been 3 months and now they tell me that since the account was closed I am not entitled to receive any money left in the account. Also the hackers somehow got access to the. Account and started a new account in my name. Chime gives me a different response each time I call and does not answer emails sent to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11 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: NY

Complaint narrative:
TRANSUNION has committed Identity theft 15 U.S. Code 1681a ( 3 ), pursuant to 15 U.S. Code 1681 ( b ) ( f ) ( 1 ) TRANSUNION failed to obtain a consumer report for a purpose for which the consumer report is authorized to be furnished under Fair Credit Reporting Act, you have violated 15 U.S. Code 1681 ( b ) ( f ) ( 2 ) you have no certified purposes in accordance with section 1681e of the Fair Credit Reporting Act as a prospective user of the report through a general or specific certification, You have as also you have failed the requirement imposed under the Fair credit reporting act pursuant to 15 U.S. Code 1681e ( a ) and did not maintain reasonable procedures designed to avoid to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. You can be held liable Pursuant to 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) because you have willfully failed to comply with XXXX requirements imposed under the Fair Credit Reporting Act failed to respect my privacy as a consumer In addition you have obtained information on, i the consumer under false pretenses from XXXX  XXXX who is in fact acting as consumer report agency resulting in you may be fined under title 18 pursuant 15 U.S. Code 1681q

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 2023-06-11 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 — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/23 XXXX XXXX Synchrony Bank debited from my XXXX XXXX XXXXXXXX Account {$230.00} for a charge I did not make. 
I called and they said they'd fix it. 

On XX/XX/23, they sent me a note saying the " XXXX is XXXX. '' However, they did not credit my XXXX XXXX XXXX Account. 

XX/XX/23 After several calls, Synchrony sends me a reimbursement check for {$230.00}, which I deposited in my XXXX XXXX XXXXXXXX Account. 

XX/XX/23 Synchrony sends me an email bill for {$260.00}, which includes a late fee. 
I called and spoke to XXXX different agents, and was finally referred to " recovery. '' Recovery is closed on Sundays. 

I am unable to resolve this ongoing problem and it is now effecting my credit score.

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