vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-17 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: CBC Companies, Inc.
State: GA

Complaint narrative:
This is my complaint to Innovis. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than XXXX days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. My rights has been violated numerous times. 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 a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: WA

Complaint narrative:
Complaint to : Credit Collection Services. XXXX XXXX XXXX, XXXX MA XXXX. Call Center XXXX. File number XXXX They are attempting to collect a debt that is NOT VALID. This debt is also PAST THE STATUTE OF LIMITATIONS FOR COLLECTION IN CALIFORNIA. 

I have told CCS multiple times they are not legally allowed to collect this debt, as well as requiring verification. They will not verify the debt. 

They have told me in the past the debt was removed, so it is alarming and concerning they are still pursuing it. 

Again, the debt is 1. not valid and 2. even if it was, they are harassing and threatening me beyond the XXXX. 

I hope they remove the debt as is required before I file a lawsuit against them, which I have no problem doing.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
There are 5 inquires from SYNCB/Paypal that are in my credit file that I didnt authorize. 
SYNCB/PAYPAL ( Bank ) XX/XX/XXXX SYNCB/PAYPAL ( Bank ) XX/XX/XXXX SYNCB/PAYPAL ( Bank ) XX/XX/XXXX SYNCB/PAYPAL ( Bank ) SYNCB/PAYPAL ( Bank ) 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 explanation
Consumer complaint received 2023-04-17 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: GA

Complaint narrative:
I have been working on my Experian credit profile and I noticed there are incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. The INCORRECT Addresses that should be deleted are XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX and there is XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CO XXXX Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me. ( 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. Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( XXXX, Experian, and XXXX ) do not have my written permission and this should be removed accordingly. I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2023-04-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
Following up my latest complaint with CapitalOne which ended in receiving my money at a date over 30 days behind the maturity of my 90 days instrument- Im encountered embarrassing times of denial of accepting my Quick Silver Card while shopping. 

By trying to find an explanation by calling CapitalOne, I got nothing. Also, I tried to apply for another card with the same entity, which I well qualified for after presenting the necessary requirements of which it was finally uploaded successfully, after CapitalOne chose not to accept it, and requested another upload several times. Finally, I got a notification that my application was accepted. But later, CO reneged and demanded re-uploading my documentation. This is a clear abuse and intimidation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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
State: CA

Complaint narrative:
Dear PayPal Support Team, I am writing to submit a complaint in regards to the permanent limitation that was placed on my PayPal account, which is registered under the email address XXXX. 

First and foremost, I strongly believe that this limitation was placed on my account by mistake, as I have not engaged in any activity that violates PayPal 's policies. I have always been a responsible user of your platform, and I have consistently followed all the terms and conditions set out by PayPal. 

Furthermore, I would like to emphasize that I have not engaged in any activities that could be considered as fraudulent, illegal or suspicious. I have always conducted my transactions in a transparent and legitimate manner, and I have never been involved in any disputes or chargebacks. 

Therefore, I kindly request that you re-investigate my case and consider restoring my account if possible. I would greatly appreciate it if you could provide me with more information on the reason for the limitation, as well as any evidence that supports your decision. 

I understand the importance of maintaining a safe and secure platform, and I fully support PayPal 's efforts to prevent fraud and protect its users. However, I strongly believe that my account has been wrongly limited, and I kindly request that you take another look at my case. 

Thank you for your attention to this matter, and I look forward to hearing back from you soon. 

Sincerely, [ XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights. 
under 15 USC 16.81 section 602 states I have the right to privacy. 15 USC 16.81 section 604A section 2 states a consumer reporting agency can not furnish an account without my written instruction. 15 USC 1666B a creditor may not treat a payment on a credit card account under an open 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
Consumer complaint received 2023-04-17 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
The American Express account # XXXX is reporting incorrectly to XXXX. XXXX claims to have verified the information in XXXX of XXXX. The account in question first reported delinquent in XXXX. The other XXXX bureaus ( XXXX and XXXX ) have since removed this account from my credit report due to the account being reported negatively for XXXX years. Each company removed the item in XXXX of XXXX or prior. I am requesting that XXXX remove this item immediately from their consumer report containing my information. XXXX is in violation of the FCRA laws. According to 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports, ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than XXXX years. 

I am requesting that they remove the negative account immediately from my consumer report furnished by them to match the other consumer reporting agencies which show the correct information. I don't understand how XXXX can have access to the SAME information furnished by the original creditor but provide a different outcome that is completely against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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: International Computer Systems, Inc.
State: FL

Complaint narrative:
First Collection Services sent me a collection notice issued : on XX/XX/XXXX. I received the collection notice via USPS on XX/XX/XXXX. I responded to the letter on XX/XX/XXXX. I spoke with an agent who informed me that the collection would not be placed on my credit report as long as my payments stay current. I set up an automatic monthly debit in the amount of {$25.00} on XX/XX/XXXX. The first payment was debited on XX/XX/XXXX. The second payment was debited on XX/XX/XXXX. No payments have been missed The collection showed up on all three credit reports ( XXXX. XXXX and XXXX as an " Open Account '' ( it is not or it would not be in collection status ) I received paperwork from the collection agency that if and only if I fall behind on payments that I have not fallen behind on payments, First Collection Services is reporting erroneous information ( lying ) about the debit and reporting the incorrect amount of the debt owed. This has to be illegal. After viewing my credit report, I contacted First Collection again on XX/XX/XXXX and the agent informed me that I would just have to deal with it and that this is how business is done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Midland Credit Management started reporting on all my reports XX/XX/2022. They are currently reporting on all XXXX national reporting agencies. They do not have the authority to collect anything from me. Per the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, they are not licensed in the state of Illinois to collect anything as they do not have an active license for Illinois. This has been reporting for over a year negatively affecting my credit profile and making it hard to purchase a home. They have no legal grounds to collect anything from me, furthermore when I requested them to validate the debt was mine, they could not. I would like this collection removed from every single reporting agency and updated ASAP. Please see the screenshot showing they do not have authority to collect in IL. There are XXXX different collections showing, their account numbers are as follows : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I opened a high yield savings account with Citibank online banking in mid XX/XX/XXXX. I made several deposits into the account quickly therea! er. I received a phone call from their fraud prevention department to confirm my identity which I did and I was able to continue with my account. Then, on XX/XX/XXXX I attempted to make a wire transfer from my Citibank account into another bank account, it was denied and I received an error code XXXX stating I was not allowed to proceed due to security reasons. I tried to make an instant transfer of less funds back to the my original bank account where deposits were made to fund the citi account, but again was met with the same error message. I called customer service on XX/XX/XXXX and was told that it was a maintenance issue and to try again the next day. I attempted the transfers again on XX/XX/XXXX and again had the same error message. I called customer service and was routed through XXXX di '' erent customer service representatives who all had di '' erent stories as to why I could not complete the transfer. It ended with the fraud department trying to verify my identity yet again to which they then stated they were unable to verify my identity, even though this verification had previously been completed in order for me to fund the account in the first place. I then spoke to a supervisor who stated the only way to verify my identity would be to wait for a letter. 

I submitted a complaint for this and then on XX/XX/XXXX I received a call from XXXX stating they were the fraud department, verified my account and then unlocked it. They assured me I would be able to make a transfer. I then initiated a wire transfer for {$8400.00} from Citibank to my other bank account and I got an email on XX/XX/XXXX that it was denied and they needed additional info. I called on XX/XX/XXXX and spoke to XXXX from customer service who then transferred me to XXXX from the security team. He stated the transfer was denied and I would have to try again. I then initiated the transfer again and again was sent an email on XX/XX/XXXX that it was denied. I called again on XX/XX/XXXX and spoke to XXXX who stated the transfer would be completed by the end of the business day. The transfer still shows as pending. I called today XX/XX/XXXX and spoke with XXXX who kept asking questions to verify my account and then proceeded to tell me she would be disconnecting the call and hung up on me. I have been recording all of my conversations since XX/XX/XXXX with them. I just want to transfer my money and close this account. Dealing with Citibank has been an absolute nightmare! This is theft!

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
Consumer complaint received 2023-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CHECKredi of Kentucky, LLC
State: MO

Complaint narrative:
Using the XXXX XXXX app, when payment went to process it pulled from an empty account. As soon as this was noticed I went in to the gas station and paid for my gas. Now this company says I owe them the money instead, along with a fee. I have been told that until I pay them they will continue with the collections process. I dont owe this, its already paid. They have been made aware of such multiple times but continue to call. Even took the funds without permission from my bank at XXXX point which my bank returned to me because I never gave any form of consent for this company to withdrawal from my account.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Halsted Financial Services, LLC.
State: TX

Complaint narrative:
They are calling all my family and harassing them. Telling them they are law enforcement and that they need to tell me Im going to be arrested if I dont contact them. They are posing as law enforcement and that is against the law. They keep calling and texting all my family everyday and they are tired of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I noticed unauthorized inquiries in my credit report that I would like to be removed, because it was not me.

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 2023-04-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous fraudulent accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I did not consent to these inquires

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 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I did not consent to these inquires

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Description of Complaint : In XX/XX/2022 I paid a 6 month permium for my XXXX vehicle Insurance. When I authorized this payment I was clear with the XXXX Representative this was a one-time payment only and that I do not authorize any further charges on this card. In XXXX XXXX proceeded to charge my card for {$980.00} for my XXXX XXXX XXXX. I called the XXXX XXXX  Services and Filed a fraud charge. XXXX gave a provisional credit. Then on XX/XX/2022 XXXX took the credit away and charged me {$980.00}. I called XXXX and they sent me documentation showing that XXXX completed a reversal back to XXXX XXXX on XX/XX/2022 therefore my credit card showed have reflected a credit. have literally been on the phone with XXXX XXXX weekly as well as I have faxed numerous times the information showing XXXX that XXXX completed a reversal back to the XXXX card and due to non payment their is no Insurance active due to non-payment. XXXX refuses to credit my credit back along with the interest. XXXX XXXX has stolen {$980.00} of my money plus interest.

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