vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-15 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: IN

Complaint narrative:
In accordance with the fair credit Reporting act XXXX  account # XXXXXXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, # XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 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 : its also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-05-15 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: OH

Complaint narrative:
In accordance to the fair credit reporting act XXXX account # XXXX, account # XXXX account # XXXX, account # XXXX, account # XXXX, account # XXXX, account # XXXX, account # XXXX, account # XXXX, account # XXXX, account # XXXX, account # XXXX, account # XXXX, has Violating my rights. 

15 U.S.C 1681 Section 602 A states that I have the right to privacy 15 U.S.C 1681 Section 604 A section 2 : It also states that I consumer reporting agency can not furnish an account without my Written instructions

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 2022-05-15 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:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, XXXX - ACCOUNT # XXXX XXXX XXXX XXXX  - ACCOUNT # XXXX XXXX  - ACCOUNT # XXXX XXXX XXXX  - ACCOUNT # XXXX XXXX  XXXX  - ACCOUNT # XXXX - INQUIRIES- ( ALL ) XXXX  XXXX  ( ALL ) XXXX  XXXX XXXX  XXXX ( ALL ) XXXX XXXX XXXX XXXX ( ALL ) XXXX XXXX ( ALL ) XXXX XXXX XXXX  ( ALL ) XXXX XXXX  XXXX ( ALL ) XXXX XXXX XXXX XXXX XXXX ( ALL ) EQUIFAX MORTGAGE XXXX  ( ALL ) XXXX-XXXX  XXXX ( ALL ) XXXX  ( ALL ) XXXX  XXXX  XXXX ( ALL ) XXXX XXXX  XXXX ( ALL ) XXXX  XXXX XXXX  XXXX ( ALL ) XXXX  XXXX XXXX  ( ALL ) XXXX XXXX XXXX ( ALL ) XXXX ( ALL ) XXXX ( ALL ) XXXX ( ALL ) XXXX XXXX XXXX XXXX XXXX XXXX, HAS VIOLATED MY RIGHTS . 

15 U.S.C. 1681 SECTION 602 A. STATES THAT I HAVE THE RIGHT TO PRIVACY.

15 U.S.C. 1681 SECTION 604 A, SECTION 2 : STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH ANY ACCOUNT WITHOUT MY WRITTEN CONSENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person ....

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 2022-05-15 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 — Problem with personal statement of dispute
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
I had an account with XXXX XXXX which XXXX XXXX XXXX had possession of the debt which a settlement was reached and the debt was suppose to be eliminated. They later sold the debt Portfolio Recovery and it is causing my credit to plunge and the debt has been settled. XXXX XXXX XXXX has a class action suit filed against them for mishandling debt. Please if you all can look at resolving this issue it would be greatly appreciated. 
Portfolio Recovery {$1500.00} Portfolio Recovery {$1600.00} Account # XXXX In the letter they also said they acquired the debt on XX/XX/2019. This is total scam! XXXX was eliminated from report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
i believe that it was a mistake to close my paypal account, i am using my paypal account for my online business, Business name : XXXX XXXX XXXX description : digital products services or, selling. 
i don't remember, when i start my paypal business, but i recieved my first payment, on XXXX, XXXX, XXXX usd, from XXXX XXXX XXXXXXXX XXXX with transaction Id : XXXX. 
i need to withraw my stuck funds, ASAP, for emergency purposes, and i am hoping that i will get back my PP Account, and able to withraw my funds. Thank you, and God Bless.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15 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:
In accordance with the fair credit reporting act XXXX  Account/ XXXX XXXX acct # XXXX / XXXX XXXX XXXXXXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX  ( credit union XXXX acct # XXXXz 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 2it also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
This is related to Complaint XXXX, Unauthorized transfers on unverified debt. NAVY FEDERAL CREDIT UNION alleged I owed XXXX and used amounts from my checking account towards this balance after I directly asked for clarification regarding the credit section of the statement. 

Today I noticed that the amount has decreased to XXXX approx. without any explanation. I did in fact do a complaint regarding the transfers and I do expect to get a written explanation concerning the transfers. 

NAVY FEDERAL CREDIT UNION, ( NFCU ) is not abiding by the law and must be held accountable for their grave fiduciary failure in regards to financial accounts. 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
Have made many many calls with them and no response from management. This is not my debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
I believe that it was a mistake to close my PayPal account. I am using my Paypal account for my online selling because I'm a freelancer since XXXXXXXX XXXX,2021. My paypal account : ( XXXX ) as of now has no stucked funds because I've already withdrew them before my account got limited but I am hoping for the restoration of my account. 
Thank you and Godbless.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15 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: IN

Complaint narrative:
In accordance with the fair credit Reporting act XXXX  account # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXXXXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX 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 : its also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-05-15 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: IN

Complaint narrative:
In accordance with the fair credit Reporting act XXXX  account # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 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 : its also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
XXXX, I mailed a letter to 800 Loan Mart requesting them to validate this debt. Have not received a response to validate debt. This account was removed from XXXX and XXXX but has not been removed from XXXX. According to FCRA any inaccurate data must be removed from kredit profile immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15 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: Block, Inc.
State: OH

Complaint narrative:
Trip to XXXX on XX/XX/XXXX, for the total cost of XXXX canceled by the airline. I was supposed to be refunded for the journey but haven't. I contacted cash app and haven't heard anything back. This is unacceptable ; this is the 3rd time I am rightfully entitled to a refund. The airline reported issuing a refund, but cash app hasn't returned my funds. The other two transactions happened on XX/XX/XXXX, and XX/XX/XXXX ; both were part of a payment plan for a product that was never received. Cash app refunded the transaction but later reverted the refund even after the company stated that I was entitled to a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: COMMERCE BANK
State: NE

Complaint narrative:
I called Commerce Bank back in XXXX about a {$2.00} charge due to amount subject to interest was below chargeable amount. With that being said I had receive correspondence in the mail about 0 % APR through the end of the starting on a certain date in XXXX. I had misread the correspondence and charged $ XXXX 2 days before the 0 % APR actually started. Well I charged a couple of other items in the 0 % APR timeframe. So I received the statement for that month and send in payment for {$920.00} so I would not be charged any interest. Well that is when I received statement with {$2.00} fee and called the 1st time which took well over a hour to get ahold of anybody. I explained that the {$920.00} should of been applied to all of the subjected $ XXXX that had interest. They explained to me that {$30.00} was not paid off from the {$920.00} mailed in. I explained that the the amount that had interest should be applied first which would of cleared the $ XXXX and the other amount would not of accrued interest. Some supervisor then waived the fee and an agent said it was fixed. Well get the XXXX statement that included the same fee and once again called in to get fixed which stated a supervisor would call me in a few days. No call so called back and got the same thing ... ... no call at all. Get the XXXX statement with same fee. Now I'm filling this complaint as they did not apply the entire {$920.00} to the subjected $ XXXX that would have had interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15 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: GATEWAY FIRST BANK
State: TX

Complaint narrative:
Have spoken many times trying to get resolved and now they don't even respond because they sold the loan

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15 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: FL

Complaint narrative:
I have always contended that the XXXX XXXX XXXXXXXX account that is reporting on my credit report is reporting incorrectly and I intend to prove this. In the latest credit report that I got from XXXX it says that the account was paid in full and that the last payment date was XX/XX/XXXX and yet Equifax is saying that the last payment date was in XX/XX/XXXX. How can it be that two credit bureaus are getting their information from the same source but are reporting two different payment dates? That makes no sense. Equifax is reporting that the account went into a charged off status in XX/XX/XXXX ( which is false ) and XXXX is reporting that the account went into a charge state in XX/XX/XXXX. How can it be that two credit bureaus that should be getting information from the same source are reporting two different charge off dates and two different payment dates? 
This makes no sense and I have often complained that the XXXX XXXX XXXX account is reporting inaccurately on my credit report and I want it deleted immediately. 
Kindly see files attached proving my point

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Acceptance Corporation
State: CA

Complaint narrative:
XX/XX/XXXX I took my daughter to XXXX XXXX XXXX ( XXXX medical ). 

XX/XX/XXXX We reached {$3500.00}, out of pocket maximum because she was hospitalized later. 
I don't need to pay anything including copay after we reached out of pocket maximum with my insurance policy. 

XX/XX/XXXX XXXXXXXX XXXX XXXX ( XXXX medical ) billed me {$50.00} for copay. 
I contacted them and they told me we don't have to pay for the bill after they got the proof of document that said my responsibility is XXXX ( from insurance company ). 

XX/XX/XXXX collection company sent me a bill ( XXXX  lied when I called them before, and they sent the bill to the collection instead after I contact them ) I called to XXXX  again, they said they will take it off from the collection. 

XX/XX/XXXX collection company sent me a bill again ( XXXX agent lied again, and they did nothing with the collection ). 

XXXX XXXX XXXX ( XXXX medical ) is trying to get {$50.00} from me even though they got the document that said my responsibility is XXXX, they lied every time I called them, also she visit the urgent care when she was XXXX, and they sent {$50.00} bill to collection with my daughter name. 
What they do is just pushing me to pay {$50.00} even though they knew that it is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: CA

Complaint narrative:
XXXX, mailed a letter to NCB Management Services to validate debt. They have not responded in a timely matter. XXXX and XXXX have deleted the account from my kredit profiles. According to FCRA section 611 ( a ) 6 and 7 gives us the right to request a method of verification. NCB has failed to provide the method of verification within 15 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK
State: GA

Complaint narrative:
They call my parents house repeatedly, all day despite them not being associative with the account in any way.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-15 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account number XXXX, XXXX Account Number XXXX, XXXX XXXX  Account Number XXXX, XXXX Account Number XXXX, XXXX XXXX XXXXI Account No. XXXX, XXXX XXXX XXXX Account XXXX, XXXX XXXX XXXX Account No. 
XXXX 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

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 2022-05-15 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account number XXXX, XXXX Account Number XXXX, XXXX XXXX  Account Number XXXX, XXXX Account Number XXXXXXXX XXXX XXXX XXXX  Account No. XXXXXXXX XXXX XXXX XXXX Account XXXX, XXXX XXXX XXXX Account No. 
XXXX 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

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 2022-05-15 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account number XXXX, XXXX Account Number XXXX, XXXX XXXX Account Number XXXX, XXXX Account Number XXXX, XXXX XXXX XXXX Account No. XXXX, XXXX XXXX XXXX  Account XXXX, XXXX XXXX XXXX Account No. 
XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Risecredit, LLC
State: CA

Complaint narrative:
XXXX, mailed a letter to XXXX XXXX XXXX to validate debt. They have not responded in a timely matter. XXXX and XXXX have deleted the account from my kredit profiles. According to FCRA section 611 ( a ) 6 and 7 gives us the right to request a method of verification. XXXX has failed to provide the method of verification within 15 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15 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: TX

Complaint narrative:
Closed accounts that I have had are still reporting hard inquires on my credit report.

Closed accounts that I have had and are paid are still reporting hard inquires on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I was extended a line of credit to use at XXXX and made a second purchase on XX/XX/XXXX. I purchased XXXX XXXX Mens XXXX XXXX XXXX for {$57.00}. The product was never delivered to me. Either it was stolen or lost in delivery. I notified the company that I never received the item and they refused to send a replacement or refund the cost of the item. Because XXXX would not rectify the problem, I never paid off the credit for the product I never received. The product continued to collect interest and XXXX denied taking action in the matter. Now there is a negative item on my credit score for the cost of the item plus the accrued interest, {$150.00}. I reached out to XXXX in XXXX and, again, they refused to address the issue and said the debt needed to be paid. I do not think this is right and feel that is account is incorrect give the context of the original reason for nonpayment. If a package is lost in transport, it is the company 's responsibility to rectify the problem.

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