vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: DE

Complaint narrative:
XXXX XXXX XXXX XXXX Paypal Merchant ID - XXXX It's been over a year since PayPal froze the money in my account. When I added a card for instant transfer, I encountered an error message stating, " Things don't appear to be working right now. Sorry, somethings not right. Please try again later. '' So, I contacted PayPal on XX/XX/XXXX. The representative informed me that I had added a new card ending in XXXX to the account, and due to security measures, I couldn't withdraw funds. They advised me to wait for 72 hours, assuring me that after this period, I would be able to withdraw. 

After the 72 hours elapsed, I attempted to withdraw again, only to encounter the same error. I contacted PayPal once more, and this time, the representative told me that I needed to confirm the pending charges on the card. They initiated a {$1.00} pending charge to my card and requested the code that accompanied this transaction. After confirming the card, I tried to withdraw again, but I still faced the same error message.

The representative explained that due to my recent confirmation of the card, the 
security system was still preventing withdrawals. They advised me to wait another 72 hours. Once again, I waited, but upon trying to withdraw after this period, I encountere

d the same issue. Frustrated, I called PayPal again. This time, the representative suggested trying to withdraw via bank transfer. As I attempted to link my bank account during the call, I received an error message stating, " This account needs a little help to link it. Contact us, and we can help with that, or you can link a different account. '' The repre
sentative instructed me to wait another 72 hours to attempt linking my bank account to PayPal. 

By this point, I was beyond furious. The numerous errors related to the security system were causing immense frustration. Feeling exasperated, I decided to try withdrawing via check by mail. However, when I attempted to do so, the website redirected me to link a bank or card.

I explained the situation to the representative once again, and they advised me to wait another 72 hours before attempting to withdraw via check by mail. At this point, I was at my wit 's end. My last resort seemed to be contacting the Consumer Financial Protection Bureau ( CFPB ) to retrieve my hard-earned money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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. 

Account Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 : 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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. 

Account Name : XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX  Account Number:XXXX  Account Name : XXXX XXXX  Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 : 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 informat
ion Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 non-monetary relief
Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
It is crucial to highlight that I have no affiliation with the specified creditors and did not approve this inquiry. Please take swift measures to eliminate it from my credit report. Thank you for promptly addressing this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I am not linked to these creditors and did not initiate these inquiries. Please proceed to remove them from my credit report promptly.

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 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I am not linked to these creditors and did not initiate these inquiries. Please proceed to remove them from my credit report promptly.

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 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My scores on Equifax are not indicated on my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2024-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IL

Complaint narrative:
Dated XX/XX/2023 at the amount of {$980.00} by creditor name XXXX XXXX was posted on my credit report by someone other than myself and I want it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 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: GA

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

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 2024-03-22 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: VA

Complaint narrative:
XXXX XX/XX/2024 I messaged Chase on their website and stated that I wanted to cash in my rewards and close the consumer credit card account. I received a reply message stating that the reward amount would be credited to my account. 

On XX/XX/XXXX, I called the customer service number for chase and spoke to a representative. I enquired about how I could pay off the account since I was closing it. The representative said that he could help me with that over the phone. He said that he could see that the account was closed and he could see the rewards credit and then gave me a balance of {$3600.00}. I specifically asked him, because the balance was less that the previous statement balance of $ {$4500.00}, was I going to be charged interest because I am paying less than the statement balance. He assured me that I would not and that if I paid the XXXX, the account would be closed. I then gave him my checking account routing and acct number and paid off the acct. Two weeks later I got a statement with a {$47.00} balance which was 100 % interest charges from the previous period. I then called the Chase customer service line and explained to the representative that I had been assisted with paying off the account, and assured that there would be no more charges. I asked to have the interest charge removed. the representative said that she tried and it was denied. Twice. I explained that I was not going to pay it. Today I got a statement with a balance of {$76.00} which included a {$29.00} late fee and the afor mentioned interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 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: CA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Capital One Bank continues to violate my consumer rights by reporting a delinquency on my XXXX credit report as a charge off. I never consented to a business relationship with this creditor. This account is fraudulent. I have continually disputed this account with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
A statement was generated on XX/XX/XXXX and I had a statement balance of {$5200.00} and payment was due on XX/XX/XXXX. 

By XX/XX/XXXX, and per chase records, I had paid a total of {$5300.00} on the account. However they still charged interest on the following pay date. 

Call center Agent is being incredibly unhelpful and saying I didnt pay enough for reasons which she is not able to articulate. 

She says I was supposed to pay more money than that but nowhere did chase communicate that information to me. My statement balance was {$0.00} multiple days before that bills monthly due date. 

Further, call center is staffed with incompetent people

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXX XXXX  Account Number : 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 2024-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
This Complaint is against Wells Fargo Bank for allowing Fraudulent Transactions in my account after I had put everything in place due to identity theft to prevent this- specifically accounts were deactivated and disabled. 86 unpaid Fraudulent Transactions remain, and due to the # of Fraudulent Transactions, they will be listed on several complaints. Too extensive to be listed on ( XXXX ) Complaint. Total Amount Owed {$8800.00} -- -- 86 Fraudulent Transactions. 
As Follows : XXXX Purchase authorized on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX - {$100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$49.00} -- -Purchase authorized on XX/XX/XXXX XXXX XXXX XXXX -- - {$10.00} -- XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$57.00} XXXX XXXX Purchase authorized on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX {$12.00} -- Purchase authorized on XX/XX/XXXX XXXX {$30.00} -- -Purchase authorized on XX/XX/XXXX XXXX XXXX XXXX XXXX  {$11.00} -- -Purchase authorized on XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Purchase authorized on XX/XX/XXXXXXXX XXXX. {$110.00} -- XXXX XXXX authorized on XX/XX/XXXX XXXX XXXXXXXX {$220.00}

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 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Unisa, Inc
State: CA

Complaint narrative:
To whom it may concern, I contact UNISA Inc. the loan servicer for XXXX XXXX XXXX of XXXX regarding my delinquent account. I had previously filed disputes with them asking for original account-level documentation however I never received this information. I recently attempted to get a mortgage loan, and UNISA Inc appeared on my credit report as delinquent. My potential mortgage provider said they require me to get this account addressed before they can offer me a mortgage loan. I contacted UNISA and they told me they could not assist me with credit reporting and I would need to contact the collection agency they assigned my account to called, XXXX XXXX XXXX. I contact XXXX XXXX XXXX and they said UNISA closed the account after only 30 days of the account getting assigned to them, however, I never received phone calls or letters stating the account was assigned to another institution. UNISA nor XXXX XXXX XXXX, never gave me the opportunity to dispute or ask for verification of this debt. 

In the same day, I contacted again UNISA explaining the situation and information I received from XXXX XXXX XXXX. I requested a Manager ( name I did not document ) this manager however was extremely rude and aggressive saying I can't take your word for it we will need to contact XXXX XXXX XXXX to re-open this account and I would have to pay the balance in full so they can assist me with my credit report. I asked if there is any assistance they can offer and she said no there is not. I let her know I would be filing a dispute as I see several state and federal violations here from UDAAP, FDCPA and FCRA in violation and she did not seem to care and said she would respond back to the CFPB accordingly. 

I'm asking for the CFPB to please assist me with this challenging issue as I'm in desperate need to obtain a mortgage loan, however these issues, violation of federal law and unprofessional service are making it quite difficult for me to successfully obtain a mortgage loan. I look forward to hearing from you. 

Best regards,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
BACK IN XXXX OF XXXX I WAS INDUCED INTO A XXXX XXXX, I HAD MAJOR HEALTH PROBLEMS, I WAS BATTLING SEVERE HEALTH PROBLEMS, BASICALLY IS WAS XXXX XXXX XXXX XXXX LUCKLY FOR ME DOCTORS DID EVERYTHING AND I RECOVERED, I AM FEELING BETTER NOW. WITH ALL THIS HAPPENING IN XXXX OF XXXX  MY BANK ACCOUNT WAS JEOPARDIZED BUT BECAUSE I WAS STILL IN M RECOVERY PERIOD, BY THE TIME I REALIZED IT WAS TOO LATE AND MY ACCOUNT WAS REPORTED 30 DAY LATE. I TAKE MY FINANCES SERIOUSLY, I HAVE TRIED TO REACH OUT TO BANK OF AMERICA BUT NO RESULT.

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 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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