vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
i received notification about a collection placed on my credit. i called the company because i have never seen it before. they told me its medical bill from XX/XX/2017. i have never heard of XXXX XXXX or common wealth financial systems. now they placed it on my credit XXXX  years later i shouldn't have to suffer for a debt that isn't mine and also that is very old.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Date Reported : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

old information has remained on my report after requesting it be updated and i submitted my new information to all 3 and now i am getting multiple emails from the places they sold my personal info to.

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 XXXX XXXX DEPARTMENT OF EDUCATION ( CLOSED ) XXXX XXXX  XXXX XXXX XXXX ( CLOSED ) XXXX XXXX XXXX XXXX ( CLOSED ) XXXX XXXX XXXX XXXX ( CLOSED ) i did not give them any written instructions saying that they could publish collections from an old acct that was charged off years ago and i have requested a copy of any contracts that i have signed with the collection agency and they did not supply me with that information, but its still on my report. 

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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

they all are reporting inaccurate addresses, employment, accounts, late payments etc. i have not given written permission for any of these things to be published or shared.

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 2023-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: FL

Complaint narrative:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being 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 2023-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
I have just discovered as of recently that I had fraudulent reporting information on my ChexSystems consumer report. 
I had false reporting inaccurate information reporting on my name due to having my personal information being compromised as a result of being a victim of identity theft. 

I obtained my report, contacted ChexSystems to dispute the inaccurate information. 
I contacted ChexSystems, followed their dispute process and according to the FCRA ACT I reported the fraud I discovered in the report. 

It dates back XXXX, and even XXXX years as it was not to my knowledge of these accounts even being in my name. 

I filed an FTC report, I also sent in the information to ChexSystems. 

Chex Systems continues to report false information on my consumer report illegally. 
They told me the date I filed the Police report, FTC reports were too far from the date of the theft. 

I was unaware of the theft until obtaining my report, so there was no way for me to have prior knowledge of this. 

Chex Systems are doing unfair practices that do not align with my rights as a consumer and are reporting fraudulent false information on my 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 2023-08-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pickett Law, LLC
State: MD

Complaint narrative:
I moved to the property where I currently live in XX/XX/XXXX. In XX/XX/XXXX, I received a bill in the mail for water and sewer for the period of XX/XX/XXXX through XX/XX/XXXX. I paid this bill on XX/XX/XXXX. Also, in XX/XX/XXXX, I received a bill in the mail for water and sewer for the period of XX/XX/XXXX through XX/XX/XXXX. Again I paid this bill on XX/XX/XXXX. 

The water and sewer bills recommend to pay the bills on XXXX XXXX XXXX XXXX, XXXX. website. XXXX XXXX XXXX  website recommends to pay the bills through a third party which in my case was XXXX. I have the receipts of payment for both bills from XXXX 

Yesterday, I found in the mail a Notice of Intention to Create a Lien against my property from Pickett Law Firm. I first called Pickett Law Firm yesterday, It was after office hours. I did not get a chance to talk to anyone. This morning, I called again around XXXX XXXX Pickett Law. They put me on the hold until the call ended. I also reached out to XXXX XXXX XXXX XXXX XXXX  after the call to Pickett Law. The lady I spoke to, indicated that the issue is already at the Pickett Law firm level. So, they can't help me. I would have to contact the Pickett Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2023, I applied online for a line of credit. Chase Card Services immediately denied an extension of my credit. This is 2 violations of ECOA / Regulation B by denying me and further discouraging me from applying for an extension of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I was seriously scammed by phone on XX/XX/XXXX with money stolen from my bank account, credit cards, XXXX, XXXX XXXX and Apple. 
They had me install any desk on my phone and were able to see into my accounts and transfer money.. 
I contacted all agencies the following day and filed a fraud report with the FTC. Closed all accounts, set up fraud alerts on all accounts enrolled in credit monitoring etc I lost money through XXXX and the XXXX XXXX but XXXX XXXX XXXX acknowledged it was fraud and returned the money sent to XXXX Other cc reversed the charges. All except Apple which the scammers had me open. They also opened one in husbands name..of course my fault. 
I thought I was working with the FBI fraud unit ( transferred through XXXX..which I thought I had clearly verified with the information they provided me regarding my account ) I gave them information I shouldnt have. 
Since the money was charged in a foreign currency I had no idea how much it was but was told these were small amounts only to see if the individual stealing my identity would accept. I told them repeatedly that I wasnt authorizing ANY money being transferred!!! 

Apple was the only cc that denied it being fraud and said the 5 charges for both my husband and myself for over {$5300.00} would stand we would have to pay. 

I spoke with and contacted the Apple specialists many times to dispute this and they gave me the name and address of the individual I had to write to have the dispute reopened. I did this with a letter and documentation and all 4 disputes were reopened. 
As a senior citizen ( XXXX ) I may be naive but I would never defraud anyone of money I had rightfully authorized. 
Then again my husband and I both received notifications from Apple that they had reviewed the information and that all the charges would stand. 

I again wrote a second letter on XX/XX/XXXX to Goldman Sachs asking them to reconsider. Im attaching both letters I sent Im obviously devastated and disappointed in Apple and Goldman Sachs. I have not heard back from them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On XX/XX/2023 at the XXXX, California branch, Chase Bank dispersed the funds and closed the bank account of my XXXX sister without my, my parents, or sister 's knowledge. Myself and sister were named as heirs in her will and these funds would legally have to be probated. We believe, they were dispersed to a non-citizen who may, or may not have submitted a false affidavit. Chase Bank would not provide the information and sworn affidavit which was used to secure these funds, after promising to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
This is an update to CFPB complaint # XXXX previously submitted on this matter. 

I am an XXXX  person currently staying in XXXX XXXX XXXX to receive medical treatment for several ongoing health conditions. Since my arrival in XXXX last year I have relied on my Capital One Venture Visa Card # XXXX XXXX XXXX XXXX to pay for my medical treatment and other expenses. This card expired on XX/XX/2023. Due to the upcoming card expiration, on XX/XX/2023 I requested that Capital One send me a replacement Venture Visa Card in XXXX. On XX/XX/2023 I received an email from Capital One stating that " a shiny new card is on the way '' and " should arrive by XX/XX/2023 '' ( see attached email ). Capital One further confirmed to me by phone that the replacement card was sent to me by XXXX XXXX. 

As of today XX/XX/2023 the replacement card has not been received. I have made multiple trips to the local XXXX office to inquire about this card. Each trip requires a lengthy transit time followed by standing outside in line under hot sun for an extended period. This is extremely difficult for me due to my ill health. XXXX has stated that no information can be provided about the card without a tracking number for the shipment. Despite multiple requests Capital One has refused to provide a tracking number for the card shipment. Capital One has also refused to respond to the pending CFPB complaint on this matter. 

At this point due to the actions and negligence of Capital One I have no active credit card and therefore am unable to pay my medical and other expenses in XXXX. As a result I am suffering from extreme inconvenience, hardship and emotional distress. 

Thank you very much for your prompt attention to this matter. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 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: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company.

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX {$1500.00} XX/XX/XXXX XXXX XXXX XXXX {$2000.00} XX/XX/XXXX XXXX XXXX {$610.00} XX/XX/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 non-monetary relief
Consumer complaint received 2023-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2023, I applied online for a line of credit. Bank of America immediately denied an extension of my credit. This is 2 violations of ECOA / Regulation B by denying me and further discouraging me from applying for an extension of my 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 2023-08-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Venmo will not release my funds or authenticate my identity. They have my passport, drivers license, and NY state employee paystub and refuse to address the problem. 

My driver 's license does not have my street address on it because no mail goes to my house- as in most rural places. Venmo won't provide what legal statute they rely on to discriminate against people based on where they live and keep their money. 

Today 's made up drama from the venmo team is they can't read my documents. But won't say what they can't read. If there software is not good enough to relay an iphone picture to be reviewed by their staff - a picture of someone's personal identifying information how could they possibly have the cybersecurity to prevent hacking and keep people 's information safe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 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: EQUIFAX, INC.
State: IL

Complaint narrative:
On [ XX/XX/2023 ] I mailed you a letter disputing information contained in consumer reports compiled, maintained, and published by you allegedly concerning regarding the following XXXX XXXX - XXXX XXXX. Per XXXX records, you received my dispute letter on [ XX/XX/2023 ]. 
Accordingly, as per the FCRA you were required to conduct a reasonable investigation and delete the disputed information as I requested before the end of the 30-day period of the date on which you received my dispute letter. You received my dispute letter on XX/XX/2023. Therefore, your response was due on or by XX/XX/2023. Instead of sending me a response letter with the result of your investigation of the disputed information, you mailed me a letter dated claiming ACCOUNT HAS BEEN UPDATED. 
Clearly, you have willfully failed to delete the disputed information as I have requested. In lieu of the disputed information, you willfully failed to conduct a reasonable investigation of my dispute because ACCOUNT WAS UPDATED. However, your excuse or assumption is a not valid reason under the FCRA to not reinvestigate my dispute. Note, you have not made any reasonable determination that my dispute was frivolous or irrelevant. Nor have you sent me a notice of such determination that complies with the FCRA. Furthermore, I directly dispute the completeness and or accuracy of information contained in my consumer file. As per the FCRA, your failure to reinvestigate is an intentional and/or negligent FCRA violation XXXX 
As a result of your conduct as described above, you shall promptly delete the disputed information. Additionally, as per the FCRA, you are liable to me for damages for your conduct. 
Thus, in addition to your deletion of the disputed information, you are commanded to send a check in the amount of {$1000.00} payable to the order of XXXX XXXX XXXX. Be advised, this IS NOT another dispute or opportunity for you to reinvestigate the previous dispute. The allowable period to conduct such a reinvestigation has expired and shall not be extended by law. 
Within 14 days, ( 1 ) delete the disputed information requested, ( 2 ) send an updated copy of my consumer file, and ( 3 ) send me the {$1.00} check to my mailing address listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 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: TX

Complaint narrative:
XXXX XXXX  account XXXX and XXXX XXXX  account XXXX is still showing on my credit report. This account is more than 7 years old. every time I try to call or mail a letter to get it removed all I get is that it has been verified. I have asked for proof this account is not 7 years old and never get a response. I have written several letters and made phone calls with zero assistance. Debt over 7 years old must be removed or they must show proof to validate it can legally still be reported. experian and XXXX  refuse to remove old debt. The next step will be having my attorney file a lawsuit.

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 2023-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
A debt from Bank of America that was sent to collections for the amount {$3400.00}. I previously set up a payment plan with them where they were withdrawing {$20.00} a week from a previous Bank of America Checking account. Then they ended up closing my bank of America checking account without providing reason. The debt was then sent to collections. Upon trying to validate the debt directly they were not able to send me any information. Upon multiple attempts to contact them for previous bank statements on XX/XX/2023 and on XX/XX/2023 and several days later I received a statement stating that my balance was {$0.00} and no last made payments. 

This same situation happened with another Credit card debt that was sent to collections for the amount of {$5800.00}. I set up a payment plan to make payments of {$50.00} a week from that same checking account which was later closed. 

These accounts were both paid it should be removed from reporting as a debt and from reporting 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 explanation
Consumer complaint received 2023-08-01 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: PA

Complaint narrative:
Subject : Request for Removal of Derogatory Accounts Based on XXXX 's Investigation On XX/XX/2023, I received communication from XXXX stating that they conducted an investigation into certain derogatory accounts on my credit report and subsequently removed them from their records. I am kindly requesting TransUnion and XXXX to take the appropriate steps to update my credit report accordingly. 

As per the Fair Credit Reporting Act ( FCRA ) and the rights it affords consumers, it is my understanding that each credit reporting agency must ensure the accuracy and completeness of the information on the credit reports they generate. XXXX 's investigation found errors in the reporting of certain accounts, leading to their removal. Therefore, I believe it is essential for TransUnion and XXXX to reflect this updated and accurate information on my credit report as well. 

To facilitate the process, I have included the following relevant details : Account information as listed on my XXXX report : Account Name XXXX XXXX Account number XXXX Account Name - XXXX XXXXXXXX Account XXXX XXXX Account Name -XXXX XXXX  Account number XXXX Account Name -XXXX XXXX XXXXXXXX Account number XXXX Account XXXX -XXXX Account number XXXX Account Name XXXX, XXXX Account number XXXX Account Name XXXX, XXXX Account number XXXX Account Name XXXXXXXX XXXX ( debt collector is illegally contacting me ) Account number XXXX Account Name -XXXX Account number XXXX, XXXX Please delete these accounts now, or I will have to start the arbitration process through the courts for the multiple violations that has been committed. 


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 states : a consumer reporting agency can not furnish a accounts without my written instructions. 15 USC 1681 ( 602 ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to PRIVACY.

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 2023-08-01 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: UPGRADE, INC.
State: TX

Complaint narrative:
On XX/XX/2023, I applied online for a line of credit. pgrade, Inc. immediately denied an extension of my credit. This is XXXX violations of ECOA / Regulation B by denying me and further discouraging me from applying for an extension of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST HAWAIIAN, INC.
State: HI

Complaint narrative:
I opened an account with XXXX XXXX XXXX XX/XX/2023. He said I can open an online account. 
I went online and could not open an account because I did not get my account number. I have never received paperwork concerning my bank account ( I did receive my debit card ).

Company response to consumer: Closed with explanation