vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-06 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: AR

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 rights to privacy.

15 U.S.C. 1681 section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) 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 2023-06-06 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: TX

Complaint narrative:
On this date, I received an email from PayPal to verify that the funds requested. I signed on immediately to " deny/decline '' and then it said to contact PayPal. I did. I went through the recording, and selected " unauthorized '' - I received an agent who I could barely understand. He said my PayPal account was hacked. He tried to download software as part of the process and when I asked to explain, he got upset. He wanted to my check my account to see it was charged and I was not about to check any accounts while I was online and then run a virus/security check. He kept pushing me to do it. He yelled at me. I told him I feel like he was part of a scam and hang up. I accessed from different browser and device - called - same argumentative demeaning people. So I tried their chatbot. It does appear that the charge was declined and not charged to my associated account. I then tried to close my account and they keep stonewalling me. Someone deposited {$5.00} and it says I need to claim but to do that, I need associate an account ( I deleted them ). I am not going to do that knowing my account was hacked and give hackers info to other accounts. The staff got really upset and rude. It looks like my account was not charged for the erroneous charges ( the one that was attached to my PayPal ) - I just want to close my account and they won't let me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 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:
XXXX5 U.SC. 1681 SECTION 602 A. States I have right to privacy 15 U.S.C 1681 SECTION A SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Without The prior consent of the consumer given direclty to the debt collector or the express permission of a count of competent jursidiction, a debt collector may not commincate with a consumer in connection with the collection of any debt.

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 2023-06-06 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: AZ

Complaint narrative:
It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 1. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX  Account Number XXXX XXXX Please update- All New Reporting Information to- paid as agreed and current

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I went to a local bank of america on XX/XX/XXXX and deposited a check inside at XXXX XXXX for {$30000.00}. I was told they were putting a hold on the check. On the deposit slip they gave me it said {$5300.00} would be available on XX/XX/XXXX by XXXX and {$24000.00} would be available on XX/XX/XXXX by XXXX. I received an email on XX/XX/XXXX at XXXXXXXX XXXX stating they were putting an additional hold on the check and I would not receive any of the funds until XX/XX/XXXX. The reason it stated was " A hold was placed on your check ( s ) because check specific information indicates item may be returned. '' I tried calling multiple times over the weekend on XX/XX/XXXX and XX/XX/XXXX and no one could give me any information on it. I scheduled an appointment at the Bank of America branch where I deposited the check on XX/XX/XXXX at XXXXXXXX XXXX. I spoke with branch employee XXXX. She made some calls and still couldn't tell me any information, she eventually was able to see fraud placed a hold on the check but thats all she could tell me and she couldn't help me anymore. I called BOA on XX/XX/XXXX at XXXXXXXX XXXX and spoke with the fraud department. They told me they were going to transfer me to someone that could help me and the call hung up. This call lasted 22 minutes. I called back on XX/XX/XXXX XXXX XXXX and was transferred to the fraud detection department. She could see fraud did place a hold on the check because they needed to verify it. She told me she would put an expedite on the check. I regularly deposit checks of this amount multiple times a year. The check is from XXXX XXXX who I've deposited from multiple times in the past. The check is from my father who has the same last name as me and also has a Bank of America account. I need this check to pay my bills and I'm unable to pay them because of this.

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 2023-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Torres Credit Services, Inc.
State: IL

Complaint narrative:
Company threatened to garnish wages and attempted to take furniture from my home even though I'm currently in XXXX XXXXXXXX even though debt has been written off

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

Complaint narrative:
I am so upset and freaked out about what is happening to my credit record and myself. Not only is it extremely humiliating, but it is obviously either your responsibility or the fault of the corporation for publishing this false information. Update to paid now or as promised and remove any annotations for late payments.

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

Complaint narrative:
Opportunity to cure Default Final Notice NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information On XX/XX/2023 I mailed certified mail a notice requesting my Disclosure Pursuant 15 USC 6802 ( b ) you have failed to provide me with the required disclosures as per federal law. The law is explicitly clear that before a financial institution discloses any consumers non public person information they must give the consumer XXXX disclosures so the consumer has an opportunity to opt out of having their information reported. 

CAPITAL ONE you knowingly, will fully and fraudulently withheld pertinent information to suite your own agenda, forcing me to comply illegally with you reporting my non public personal information to a non affiliated third party companies for your own benefits and profits, this was not equitable to me, my family or household. 

I AM ENVOKING MY SPECIED REMEDY THAT YOU PREVIOUSLY DENIED ME BY WITH HOLDING MY DISCLOURES, Pursuant 15 USC 6802 ( b ).

PURSUANT 15 USC 6802 ( B ) I Fist Name, Last Name a living breathing man hereby exercise my right and specified remedy to OPT-OUT of having this account with my non public person information reported. 

DELETE THE BELOW ACCOUNT FROM ALL CONSUMER REPORTING AGEGNCIES. 
Account Name : CAPITAL ONE Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Incorrect reporting has caused me to be denied from this credit card and TransUnion is not reporting my actual 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
Consumer complaint received 2023-06-06 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: PA

Complaint narrative:
NOTICE TO PRINCIPAL IS NOTICE TO AGENT AND NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern, Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite XXXX written requests, the unverified items listed below still remain on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with XXXX XXXX. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 

XXXX XXXX ACCOUNT # XXXX In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 


Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation.

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 2023-06-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but t I am so upset and freaked out about what is happening to my credit record and myself. Not only is it extremely humiliating, but it is obviously either your responsibility or the fault of the corporation for publishing this false information. Update to paid now or as promised and remove any annotations for late payments.hey 're reporting me as late.

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 2023-06-06 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: FL

Complaint narrative:
In late XX/XX/XXXX    I bought a XXXX $ engine for my Younger brother I bought this engine from a company named XXXX XXXX, not only did they not send me the right engine was fraudulent it did not work After offering me money multiple times to keep it and having three different mechanics write him papers about how bad this engine is I told him I do not want this engine whatsoever. 

The company then sent me a shipping information mind The owner told me that he can no longer message me through the XXXX XXXX and he made his own XXXX return email impersonating XXXX ALSO changed his company name backwards with 3 more XXXX  and 3 more XXXX  to the name, which XXXX fully acknowledges then through XXXX with the name the address and the tag to use because they work with XXXX all the time I followed the instructions just as he said. 

The company then blocked my number my messages where not going through and he was not answering my emails. 

At this time I would like to note that I lost my home and my vehicle in the hurricane that hit XXXX XXXX XXXX The bank 's where closed for weeks the roads the stores the whole 10 yards I went to Wells Fargo a week after the opened while Florida was still in a state of emergency ( XXXX has acknowledged this whole thing and has this written on file and talked to the first banker at Wells Fargo Who I wrote a fraudulent claim with because I was not within the XXXX 30 day moneyback, but they fully acknowledged what this user did ) I am now here because yesterday On XX/XX/XXXX after paying bills and my Wells Fargo account was very low Wells Fargo reversed the whole XXXX $ Putting me XXXX in debt and I had to call them for a lady to swiftly tell me that I was 2 to 3 days off the deadline to submit my fraud report and they have to take the money and hung up when I asked for the manger! I called back and Im still waiting for a manager to call me back they said they would I am now being charged for late fees this is completely unjust this is completely unfair I screwed nobody over I followed directions The original owner got his engine back and I paid for the shipping to I went to Wells Fargo as quick as I could I can not afford a loss like this in a time like this I did nothing illegal I followed the law and got screwed over. 

This company is located in XXXX XXXX New Mexico they are actually very good friends and only a mile away from the nearest XXXXXXXX XXXX company as I talk to them and they well known for doing things like this as I come to find out I have all the screenshots I have all the paperwork I have reviews from other people talking about the same thing

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 2023-06-06 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, Florida XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX  XXXX & XXXX ), has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 an 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.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

--

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 2023-06-07 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: GA

Complaint narrative:
XXXX is no longer in Existence I need the verbiage on this account ending in XXXX Verbiage removed Refinanced, Account previously in Dispute Account Now Resolved Reported by Subscriber XXXX is no longer in Existence I need the verbiage on this account ending in XXXX Consumer disputes after resolution 180 days or more past due Fixed rate XXXX spoke with XXXX she is a Supervisor she clearly stated the account is paid in full she refuses to take the verbiage off Refinanced, Account previously in Dispute Account Now Resolved Reported by Subscriber XXXX Consumer disputes after Resolution Charged off Account Subscriber Reports Dispute Resolved Consumer Diagrees I received my title in 2021 from XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Ive been a Bank of America customer for 26 years. On XX/XX/2023 XXXX be XXXX XXXX XXXX. So I qualify for your Elderlycare program. My bank withheld over {$3500.00} because of of the scam companies withdrawing funds from my checking account. The three major companies that are withdrawing funds from my account is XXXX, XXXX, and XXXX. I have never done business with either one of those companies. I have called my bank almost every day for the past 5 months without any results. 
Recently, my wife XXXX XXXX XXXX XXXX received a letter explaining that XXXX XXXX XXXX had a data breach as of the first of the year. This data breach effected over XXXX XXXX of there customers. I feel because of XXXX XXXX XXXX  data breach we were one of customers effected. The letter from XXXX XXXX XXXX says REST assured that no sensitive personal information or financial information such as social security numbers or credit card information was accessed. They said that so they can cover themselves in case of suit. BUT, The letter didnt say anything about checking accounts. I spoke with many of my banks representatives about the breach. They acted like they never heard of the breach. I couldnt believe that. I faxed a copy of the documents to them. They never acknowledged or responded to any of my disputes or acknowledged the data breach from XXXX XXXX XXXX. The impression I got was my bank was working for the scammers not the customers. I sure hope you can help me get my money back. I made a deposit a couple of months ago for {$12000.00}. That money was to help me while I was off of work. I was scheduled to have XXXX on my XXXX on XX/XX/2023. Of course I had to cancel my XXXX because I didnt have funds to help me during my recovery time. I have XXXX XXXX XXXX XXXX XXXX  The sooner you can reclaim my {$3500.00} the sooner I can have my XXXX rescheduled. 
Sincerely, 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