vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
As I have been reading the FAIR CREDIT REPORTING ACT 15 USC 1681 section 602 a clearly states, there is a need to insure that consumer reporting agencies exercise their main responsibilities with impartiality, fairness, and must respect for the consumers right to privacy. 
XXXX, XXXX are consumer reporting agencies and I am a consumer thats the first thing .and I have the right to make my information is private and isnt just. Which is also backed by 15 USC 6801 clearly states its the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality and now I will also place laws on here that cover me as well.

( Furnisher of information to credit agencies ) 15 USC 1681 section 604 ( a ) section 2 and subsection ( c ) also 15 USC 6802 ( b ) ( c ) And 15 USC 1681C ( a ) ( 5 ) expect as authorized under subsection ( b ) 15 U.S Code 1681 s-2 ( A ) ( 1 ) Also 15 U.S Code 1681e and 1681c, 1681b Because XXXX and XXXX are not maintaining reasonable procedures and also 12 CFR 1016.7 states A consumer may exercise the right to opt out at any time so I AM OPTING OUT OF YOUR REPORTING SERVICES!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 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: FL

Complaint narrative:
Dear PayPal Support Team, I hope this message finds you well. I am writing to appeal the permanent limitation placed on my PayPal account associated with the email address XXXX. I firmly believe that this limitation is the result of a misunderstanding, as I am confident that I have not violated any of PayPal 's policies or engaged in any unauthorized activities. 

Throughout my history as a PayPal user, I have diligently adhered to PayPal 's terms and conditions. Maintaining a positive and trustworthy relationship with PayPal is a top priority for me, and I am fully committed to resolving any issues or concerns that may have led to this unfortunate situation. 

I kindly request that PayPal conducts a thorough reevaluation of my case, carefully examining the circumstances surrounding the permanent limitation of my account. I have confidence that this review will reveal an error or misunderstanding. I am prepared to provide any necessary documentation or information to support my appeal. Reinstating my PayPal account would not only alleviate my current financial inconvenience but also allow me to continue using PayPal for secure and efficient financial transactions, just as I have done in the past. 

I deeply appreciate your prompt attention to this matter and kindly ask that you initiate the review process as soon as possible. If there are specific documents or details needed from my end to facilitate this process, please do not hesitate to inform me. 

Thank you for considering my appeal. I eagerly await a swift resolution of this issue and the opportunity to resume using PayPal 's services. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 00:00:00
Product: Credit 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: CITIBANK, N.A.
State: CT

Complaint narrative:
XXXX XXXX XXXX double billed {$1600.00} for a medical procedure provided to XXXX XXXX ( my wife ) .The double payment was posted to Citicard on XX/XX/. I disputed the extra charge on our Citicard account ( joint account for XXXX and XXXX XXXX ending with XXXX ). XXXX admitted to the error and refunded the extra payment to Citicard on XX/XX/XXXX. XXXX asked that I cancel the dispute to expedite the refund from their system. I communicated this to Citicard but they erroneously assumed I was accepting responsibility for the extra charge and reinstated the charge on our account. I provided evidence to Citicard that I do not owe the extra {$1600.00} charge to XXXX. However, the extra {$1600.00} charge remains on my account despite the fact that XXXX shows a single {$1600.00} payment accepted from Citicard and I am paid in full on my XXXX account with the single payment. That means that there is an extra {$1600.00} payment on our Citicard account that has not been sent to XXXX and has not been refunded to our account. Citicard has ignored multiple email messages from me asking for resolution to the issue. Thus, there is still an extra {$1600.00} payment on our account that is not owed to XXXX and has not been refunded to us. Citicard 's unresponsiveness to this issue has left us no choice but to file this complaint.

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 2023-11-24 00:00:00
Product: Credit reporting 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: MO

Complaint narrative:
In accordance with the fair credit reporting act, Capital One auto finance acct no : XXXX has violated my rights. 
15 U.S.C. 1681 section 602 A states that I have a right to privacy.

15 U.S.C. 1681 section 604 A section 2 also states that a consumer reporting agency can not furnish an account without my written permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XX/XX/ {$27.00} for a transaction on XXXX XXXX XXXX 
XX/XX/3 {$27.00} for a transaction on XXXX XXXX XXXX XXXX XXXX XXXX {$27.00} for a transaction on XX/XX/2023. 

I visited a priority pass airport lounge on XX/XX/XXXX  with 2 guests ( spouse and daughter ) and was supposed to be free as my card includes 2 guest + self for free. I visited a restaurant within priority pass on XX/XX/2023 with 2 guests ( spouse and daughter ) which should have also had been free. 

Contacted chase and they wont dispute or refund the charges and also claim to have no visibility into why I was charged these fees and so late. They also confirmed 2 guest should be free per card benefit for priority pass.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NJ

Complaint narrative:
It was some fraudulent activity done to my accounts and I disputed the transactions..chime denied all disputes then tried to reverse a old close dispute so my account would be in the negatives..now they telling me to verify my identity, which I did but they keep acting like Im not supplying the right documents

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
ON OR ABOUT XX/XX/, BANK OF AMERICA REQUESTED A HARD INQUIRY AGAINST MY CREDIT SCORE. HOWEVER, I HAD NOT REQUESTED ANY ADDITIONAL CREDIT FROM THEM NOR HAD I MADE ANY REQUEST AT ALL. I HAVE CONTACTED THEM TO TRY TO RESOLVE THIS BUT THEY DO NOT KNOW WHY THE INQUIRY WAS PERFORMED.

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 2023-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I am writing in formally to appeal the denial of my claim concerning the Equifax Data Breach and the impact it had on my personal information. In XX/XX/2023, I received notice from Equifax stating that my claim had been denied on the grounds that I did not have an active membership with Equifax at the time of the breach. 

I would like to emphasize that despite the assertion made by Equifax, my personal information was undoubtedly impacted by the data breach. The breach compromised sensitive data, including my social security number, address, and other personal details that reach the dark web, which poses a significant risk to my financial security and personal privacy. 

I understand the necessity of accurate records and verifications for such claims. However, I believe there has been a misunderstanding or error in evaluating my situation. I have thoroughly reviewed my records and can confidently confirm that my information was indeed affected by the Equifax Data Breach I have enclosed documents that further validate my claim and substantiate the impact on my personal information. 

I kindly request a reconsideration of my claim and urge the CFPB to reassess the evidence provided. The breach has caused significant distress and potential risk to my financial well-being, and I trust that the CFPB will XXXX review my case to ensure fair resolution. 

I appreciate your time and attention to this matter. Please feel free to contact me at [ Your Phone Number ] or [ Your Email Address ] if further information or clarification is needed. 

Thank you for your prompt consideration.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-11-24 00:00:00
Product: Credit reporting 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: VA

Complaint narrative:
ON OR ABOUT XX/XX/, XXXX XXXX XXXX REQUESTED A HARD INQUIRY AGAINST MY CREDIT SCORE. HOWEVER, I HAD NOT REQUESTED ANY ADDITIONAL CREDIT FROM THEM NOR HAD I MADE ANY REQUEST AT ALL. I HAVE CONTACTED THEM TO TRY TO RESOLVE THIS BUT THEY DO NOT KNOW WHY THE INQUIRY WAS PERFORMED.

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 2023-11-24 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
I want to file this complaint with CAPITAL ONE. I sent them letters regarding the inaccuracies in my report such as date of last activity, date opened, date reported, status, etc. They took more than 30 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 have 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. 
I have also attached the FTC report with the report number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: WEALTHFRONT CORPORATION
State: NJ

Complaint narrative:
I opened a cash management account with wealthfront and a few days after I funded the account and requested a debit card, they closed the account without notice, warning or explanation. The only response I received was, wealthfront didnt think I was a good match for their product.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
I have traveled down to XXXX for a month long vacation and immediately upon landing we got in a taxi cab that stole my card information and charged an additional {$200.00} on my account. We did not catch this for a day. Then, at a pharmacy, we were charged an additional {$75.00} then we were told the cost was ( {$35.00} ). We found out later this is a common scam. Once we noticed this ( first the taxi charge was noticed ) I IMMEDIATELY called the bank and had my business card closed down and filed a fraud claim. There was the additional pharmacy charge that was not caught during this call. Its possible there are two other fraud charged that were made with my card before we were able to catch it and shut the card down. They have declined my fraud claim despite my card being shut down and account being claimed. They took the money out of my account yesterday with no claim denial email. I know its not a high amount of money, but the fact is that I now feel like Wells Fargo doesn't empathize with fraud victim claims. My business account was violated, money was taken from it and the bank acted like the claim itself was fraudulent. I did file an additional complaint with them this morning with no response as of now.

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 2023-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
On XX/XX/ I tried to contact transunion and they were closed I want my account information updated on my line of credit My account balance is XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-11-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: MI

Complaint narrative:
XXXX had scheduled a payoff amount they took that with interest added plus a regular payment as well not to mention what they charged when getting the loan was outrageous. Called was h u ng up on transfered 5 times.Customer service a joke and just argued with me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: W&A Intermediate Co., LLC
State: MO

Complaint narrative:
In accordance with the fair credit reporting act, Wakefield and Associates acct no : XXXX has violated my rights. 
15 U.S.C. 1681 section 602 A states that I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 states that a consumer reporting agency can not furnish an account without my written permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: GA

Complaint narrative:
I received a letter in the mail in early XXXX from IQ Data International Collections company stating they were collecting a debt that had been sent to collections totalling XXXX by XXXX on XXXX XXXX. We never moved received a notice from the apartments stating this debt was owed in the first place. After contacting the debt collections agency directly and providing written proof to XXXX via email that the billed amount was due to a computer glitch issue and we did not actually owe any further money ( see messages below ), they went forward and reported this to my credit. 

Today, I received a notice that I have a derogatory report on my Credit Report from this debt collection agency that your company hired after providing direct proof to them on XXXX XXXXbefore it was ever reported ( please see the emails below ) stating that we do not actually owe anything. This is a clear breach of the FDCPA laws.

I am requesting that this be handled internally by your office to report that this debt no longer is required as it is now on my credit report and they have been unresponsive to me now after multiple attempts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kikoff Inc.
State: MO

Complaint narrative:
In accordance with the fair credit reporting act, XXXX  acct no : XXXX has violated my rights.

15 U.S.C. 1681 section 602 A states that I have a right to privacy.

15 U.S.C. 1681 section 604 A section 2 also states that a consumer reporting agency can not furnish an account without my written permission.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
EQUIFAX is obligated by the FCRA to report accurate accounting, consumer has advised these accounts listed in letter was fraud. Said company had days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is nor request EQUIFAX to provide the documentation used to determine the accounts was indeed authorized by the consumer, EQUIFAX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet take signature, consumer is Not asking for an e-oscar report. if EQUIFAX does not have documentation to show these were in fact authorized it evast be removed asap. SAID company is liable under the SEC to follow certain reles. EQUIFAX Commission file XXXX P. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-24 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
I filed an identity theft report ( XXXX ) in reference to XXXX XXXX XXXX XXXX account which experian ignored. XXXX removed it but they didn't. I have sent several letters to them but they refuse to remove it. I'm presently looking to sue them in small claims court here in XXXX. Because now they have prevented me from even accessing my credit report from annual credit report by removing my address from credit file an acting like I don't have an address on file. There doing this to act like they can't verify who I am but I have seceral credit reports from them in the past that have my correct information such as. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have Experian.com account where my report hasn't been updated since XXXX XXXX XXXX XXXX. I've sent in copies of bills and my Id but they have consistently refused to do what they are obligetd to do by law which is to remove the account in question in violation of the law and they are suppose to only distribute information that is correct acting as if I don't have an address on file is complete fraud they are doing it to circumvent the laws that they don't want to abide.

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 2023-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
XXXX claims i owe a credit card in which i do not

Company response to consumer: Closed with explanation