vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-09 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: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
RE : XXXX To Whom It May Concern : This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

I am writing this letter to dispute the following accounts : Fill in accounts you want to be disputed, be sure to add the account numbers with each account. 

This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
Failure to respond satisfactorily with deletion of the above-referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federal protected consumer rights to Privacy and Confidentiality under 15 USC 1681.

15 U.S.C 1681 Section 602A : States that I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 : States a consumer reporting agency can not furnish an account with my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) : States a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federal protected consumer rights to Privacy and Confidentiality under 15 USC 1681.

15 U.S.C 1681 Section 602A : States that I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 : States a consumer reporting agency can not furnish an account with my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) : States a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-09 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federal protected consumer rights to Privacy and Confidentiality under 15 USC 1681.

15 U.S.C 1681 Section 602A : States that I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 : States a consumer reporting agency can not furnish an account with my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) : States a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 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: Chime Financial Inc
State: WI

Complaint narrative:
I used XXXX to got to a basketball game and ever since then I have been charge XXXX a month I called them on several occasions and they hung up I told them I did not authorize the money they are taking from my account I have my own car I use it only when convenient. Maybe one a year no other need to use it like I said I have a car. I called my card company Chime regarding the issue. I was told since I used the card to pay for the XXXX there's nothing they can do.I have never heard of anything like this I just want them to stop charging me for whatever they are charging me fir the past 4-5 months. I have called both chime and uber with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 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: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I went to a concert event in XXXX on XX/XX/XXXX. When I paid for parking, the following Tuesday I noticed 2 payments posted to my account for the same amount. I called to dispute one transaction. 2 weeks later, I received a call saying that they need a receipt. The original parking place never gave me a receipt. I called my bank to advise them and they told me that they will not move forward without a receipt. After asking for a manager, the bank representative hung the phone up in my face. I called back and after a 30 mins hold I finally got a manager. The manager was not helpful at all. He basically wanted me to call the company again, even though I had no success the first time, and try to obtain a receipt. He refused to stay on the line, or even 3-way the merchant. Also, I don't understand if I was charged twice why a receipt would change anything. They advised me that they will not review my case until a receipt is provided. Even the manager at this point was trying to get me off the phone as he pushed me back to the merchant. Finally I opened a 2nd case as one transaction was done in XXXX florida and the other transaction was done in XXXX Florida. I have no idea what the XXXX transaction is as I was in XXXX during the timeframe and live in XXXX florida. Fifth Third needs to do a better job with assisting consumers with fraudulent transactions and not rush them off the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: TN

Complaint narrative:
I wanted to cash out the {$1100.00} in my CashApp account using their phone app. It defaulted to the instant transfer with fee option. This is not the option I wanted - I wanted 2-3 business days with no fee. I have never used the fee option before. I accidentally tapped the transfer button while on the default instant transfer screen. There was no final step or confirmation before the transfer was completed to confirm that it was the correct selection. I had never used it before and was not aware of this fact. I immediately contacted customer support to try to reverse the action or cancel the transaction but was told it was not possible. I do not think it is fair to consumers to have no confirmation screen in between the cashout page and the execution of the transfer. It happened by mistake, and far too quickly. At the very least, if there is no final step in the process to confirm that the fee option is what the customer wants, the fee option should not be the default selection that comes up. I feel that it is an unfair business practice to not allow consumers to give a final confirmation that they are being charged unnecessary fees. An " are you sure '' type of intermediate step is the expectation when it comes to payment screens, especially online or on a touchscreen phone or tablet, where a person can easily tap a button by mistake. I would like a refund of the fee charged to me. I also feel that CashApp should be required to either default to the no fee cashout option, or else to have a final confirmation before completing the irreversible transfer. The way it is set up currently feels like a trap. It causes customers to pay fees by mistake, with no recourse to fix the problem after the transfer is completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: M&T BANK CORPORATION
State: MA

Complaint narrative:
I received multiple calls from several banks yesterday and today ( XX/XX/XXXX and XX/XX/XXXX ) about new account opening, while I have not opened any new account. 

I have also received a mortgage account login attempt -- I already updated the password but worried that the fraud & identity theft is still ongoing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have a fraudulent charge on my bankamericard credit card from Bank of America in the amount of {$3800.00} from XXXXXXXX XXXX # XXXX XXXX FL according to Bank of America my claim was denied because I have previous history with the merchant which is not true I need to file a chargeback against this charge or I am going to report this to the federal trade commission as identify theft because my identity was used for this charge and have this credit card remove from my credit profile immediately

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 2023-06-09 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: MD

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place.

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 2023-06-09 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: FL

Complaint narrative:
I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.

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 2023-06-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Frontline Asset Strategies, LLC
State: NJ

Complaint narrative:
FRONTLI.FRONTLINE ALREADY HEARD THE RECORDING from XXXX from XXXX XX/XX/ AND AGREED IT SHOULD HAVE BEEN DELETED. Frontline ACKNOWLEDGED THAT THE DEBT SHOULD HAVE BEEN REMOVED. XXXX wont honor what they said they would do which is the reason why I have had to record conversations with XXXX because without it XXXX just does what it wants. I TRANSFERRED SERVICE from XXXX to XXXX IN XX/XX/ but I WAS CONTINUED TO BE BILLED FAR PAST MY CANCELLATION DATE DESPITE BEING PROMISED MY BILL WOULD BE TOTALLY CLEARED AND THE PHONE CALL WAS RECORDED. THEY STOPPED BILLING IN XXXX  which was totally inaccurate .I EVEN TRADED IN MY PHONE TO XXXX BACK IN XXXX XXXX I HAVE A TRANSFER PIN FROM XXXX WHICH ACKNOWLEDGES THAT XXXX KNEW THE ACCOUNT WAS CANCELED AND IN GOOD STANDING IN ORDER FOR THEM TO DO SO. FRONTLINE ACKNOWLEDGED THE PHONE CALL AND I ALSO SUBMITTED THE RECORDING TO FRONTLINE VIA EMAIL SO IT COULD BE DONE. FURTHER MY BILL WITH XXXX HAS ALWAYS BEEN XXXX TO XXXX DOLLARS AND IT WAS PAID SO IT IS VERY INACCURATE for them to bill me XXXX. I HAD TO RECORD MY CALLS WITH XXXX BECAUSE XXXX KEPT CHANGING MY ACCOUNT TO FORM A NEW ACCOUNT WHEN IT WAS UNAUTHORIZED. Also they sent the bill to the old address and hadnt been able to send it to correct address since the account had been closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have been trying to close my 53 bank account for arround 2 months now. I have been unable to transfer my funds out, as I need to get the balance to XXXX prior to submitting the account closing request. 

Initially, I was living in XXXX and didn't have access to the phone number on file. I was finally able to get the phone number changed. I transfered out {$2000.00}, but that placed a security flag on my account. I called and they removed the security flag. I have been trying to transfer out {$2000.00} a day, but each time I try doing the transaction it gets flagged and they tell me to call customer service. I call customer service and they tell my to try again in XXXX hours. 

I just want to cancel my account and get my money back. It shouldn't be this hard!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The Department of Education sent me a email in XX/XX/2023 stating that my student loans were being discharged due to a borrower defense application. The loan service ( Dept of EDXXXX XXXX ) processed my loan discharge on XX/XX/2023. I contacted XXXX on XX/XX/2023, and they confirmed that the loan was discharged and that they sent letters to all 3 credit agencies ( Experian, XXXX and XXXX ) on XX/XX/2023 informing them of this discharge, so that they could remove it from my credit report. All three agencies failed to do so. After confirming that the loan was definitely discharged by XXXX on XX/XX/2023, I contacted all three agencies and disputed the debt online and provided them with the email letter from the department of education that stated the loan was discharged. All three agencies have responded back in a mater of days stating that they " investigated '' the matter and that the debt was " accurate '', when in fact, it is not and needs to be deleted from 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 explanation
Consumer complaint received 2023-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In Accordance with the fair credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights.

15 UCS 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company 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 2023-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
On XXXX I purchased an item from XXXX using my XXXX  XXXX which is linked to Paypal. I didn't see it in my card history and found out that Paypal had routed the payment to my bank for funding. Even though I had all of my payment preferences set to pay with my XXXX XXXX and had indicated payment with the XXXX when purchasing on XXXX. I've been using this XXXX for near daily purchases on XXXX for well over a year without an issue. I called XXXX and they looked into it stating it was paypal 's problem. I called paypal and they could not clearly answer my problem. They did not provide me with a clear reason why it charged my bank and not my card as requested - making this an unauthorized transaction. I asked to escalate the call and was refused. I need a clear explanation as to why paypal decided to do whatever they pleased. I read this back on a recorded line to XXXX at XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Relin, Goldstein & Crane, LLP
State: NY

Complaint narrative:
My name is XXXX XXXX, and this a new complaint with updated information that has since been discovered after careful research and review. 

I have reviewed the documents presented in the last communication and have discovered that all statements provided from XXXX seem to be inconsistent with the postal rules prescribed by law. i have a few questions. 

why does none of the statements include this notice? the following notice : This is a solicitation for the order of goods or services, or both, and not a bill, invoice, or statement of account due. You are under no obligation to make any payments on account of this offer unless you accept this offer. ; or in lieu thereof, a notice to the same effect in words which the Postal Service may prescribe.

Are all statements provided in the form of, and reasonably could be interpreted or construed as, a bill, invoice, or statement of account due? 

What makes amex exempt from these standard postal rules? 

also, your agency has sent notices in the mail soliciting payment and so, what makes your agency exempt from these standard postal rules? 

What your agency and XXXX is responsible for is for sending non mailable matter and is a civil and criminal offence. 

your response is appreciated. 

thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act Transunion, has violated my rights. 
15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company 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