vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-15 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX has violated my rights. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX from XXXX XXXX XXXX  has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 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 XXXX Account # XXXX from XXXX XXXX XXXX  has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a 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 2022-10-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: MD

Complaint narrative:
A request was made to ED financial to refund the amounts paid during the COVID pandemic on XX/XX/2022. 

I have yet to receive a refund, nor have I even received a time frame for expected refund. 
It has never taken any company that Ive dealt with, more than 4 weeks to process a refund. 

This appears to be common complaint online regarding ED financial services- Mishandling of refund requests, delay in refund submission request, delay in processing refunds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 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: MI

Complaint narrative:
Acting on behalf of my grandson XXXX XXXX XXXX XXXX XXXX  years of age who is currently in my care as I am his legal guardian, I have attempted on 2 occasions to obtain his credit report by Equifax in XXXX Georgia XXXX My grandson is a victim of Identity theft by his own Biological Mother, XXXX XXXX who has mixed the names and social security numbers of both my Son XXXX XXXX XXXX and my grandson XXXX XXXX XXXX XXXX Please see letter that is attached to this complaint. I had written Equifax in XX/XX/2022 requesting my grandsons information as power of attorney at that time. Please see their response which explains mix matched information and they would require addition information to provide his credit history. I had written another letter to Equifax in XXXX, providing all of my demographics and my grandson that was requested. I received a response back from Equifax dated on XXXX XXXX providing a different name of XXXX XXXX and stating that I should mail a request to XXXX XXXX. This appears to be Equifax attempt to blatantly hide my grandsons credit information. I can never get anyone on the phone or speak to a live representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 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: United Shore Financial Services, LLC
State: CA

Complaint narrative:
On XX/XX/2022 I sent in a XXXX dispute letter to XXXX stating that the item United Wholesale Mortgage do not belong to me and I would like for them to verify the information showing that it does belong to me. I received a response from XXXX on XX/XX/2022 stating that item was Updated and remains on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 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: FL

Complaint narrative:
lowes submitted a credit app without my approval, bank agreed and stated they would remove inquiry. it has been 4 months and still has not been removed. you handled my previous dispute.

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 2022-10-15 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: TX

Complaint narrative:
On XX/XX/XXXX the XXXX XXXX XXXX flagged my credit report with XXXX debt which is out of network and I was not notified. 
This is a violation of my rights of the No Surprise Act of 2021

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 2022-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Absolute Resolutions Corp.
State: FL

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX Disputes have been filed regarding absolute resolutions inaccurate information on my credit report they responded that it was verified even though it is incorrect they have failed to do a thorough investigation on my behalf and continue to violate my consumer rights causing distress and financial consequences. I have court records and bank statements showing this company was paid monthly from XX/XX/2019 and processed the payments even though they are reporting the total amount and payments incorrectly

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Ollo is the company. I paid my card off in full XX/XX/XXXX. XX/XX/XXXX I received an email for a bill due on XX/XX/XXXX for a doordash charge for XXXX. I have not used the card since paid in full. On XX/XX/XXXX the charge was reported to Ollo as fraudulent charges. Card was canceled and new card issued. 2 credits were applied to my account on XX/XX/XXXX for XXXX and XXXX before the bill due date of XX/XX/XXXX. Late fees and interest were charged in XXXX and XXXX and incorrect reporting to all 3 credit bureaus are still taking place on XX/XX/XXXX. 
Account should have {$0.00} balance, all late payments that have been reported to the credit bureaus should be removed.

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 2022-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX violated my rights. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-10-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
XXXX, XXXX- Paypal " limited ''/ froze my account for supposedly breaking their Terms of service. Never told me why my account was limited even after trying to contact Paypal customer service. My account from " limited '' with approximately {$480.00} in the account. Paypal then sent me an email stating my account was limited for breaking their ToS and the money would not be available for withdrawal for 180 days. After 180 days of holding the money incase of charge backs or to settle and debits on the account, i was lead to believe that I would then be able to withdraw my money. 
XX/XX/XXXX - After 180 days, Paypal decided my untold breaking of their Terms of Service would be assessed a potential {$1500.00} fine. So they seized all the money in my Paypal account which was {$480.00}. After again contacting paypal, customer service, they still wouldnt tell me what my alleged ToS break is and why they get to steal {$480.00} from me. 
XX/XX/XXXX to XX/XX/XXXX- Multiple calls and emails with Paypal customer service, all they would tell me is that my account is limited and that there is nothing these customer service people could do about it. All emails were ignored and un answered. Only way to get into contact in any way with Paypal was to call them and wait 60+ minutes on hold. They kept saying " our back end staff have evaluated your account and have deemed that the limiting of your account was final. '' I couldnt get any contact info for the " back end '' people to get any answers. 
XX/XX/XXXX- XX/XX/XXXX - XXXX had pretty much given up on getting my money back and just let paypal rob me of {$480.00}. 
XX/XX/XXXX - Got in Paypal website to request my account be closed through their web portal. Paypal website notified me, I couldnt close my account from the website and would have to contact customer service. 
XX/XX/XXXX - Contacted paypal customer service XX/XX/XXXX, to request that all my PII ( personally identifiable information ) be deleted from their servers and my account be closed. Requested paypal delete all my banking account numbers as well as my SSN. Customer service representative XXXX ( reference number XXXX ) told me he couldnt do anything for me but led me to the Paypal website where I could request Paypal delete all my information from their servers. Upon using this website portal to delete my information, received an email stating they would evaluate my request. 
XX/XX/XXXX - Received email from Paypal stating they wouldnt delete my information from their servers because my account is " limited ''. Again called Paypal Customer service, again customer service representative said they couldnt help me in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Ordered the Amex XXXX credit card in XXXX, and due to delivery issues did not recieve the card until XXXX. Their customer service agents were useless in fixing any issues. Welcome bonus was spend {$6000.00} in 6 months from applying for the card. Was told they would put an inquiry for me to help try to get me an extension on my welcome bonus and I would get a response in 1 week. Called back after a week and was told I would never get a response from them for that, the inquiry was resolved and that I was XXXX. Was lied to about getting contacted from their leadership team and feel as though I was jipped by a delivery error they do not take responsibility for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX  Transunion XXXX Disputes have been filed regarding absolute resolutions inaccurate information on my credit report they responded that it was verified even though it is incorrect they have failed to do a thorough investigation on my behalf and continue to violate my consumer rights causing distress and financial consequences. I have court records and bank statements showing this company was paid monthly from XX/XX/2019 and processed the payments even though they are reporting the total amount and payments incorrectly

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 2022-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXXXXXX Experian Disputes have been filed regarding absolute resolutions inaccurate information on my credit report they responded that it was verified even though it is incorrect they have failed to do a thorough investigation on my behalf and continue to violate my consumer rights causing distress and financial consequences. I have court records and bank statements showing this company was paid monthly from XX/XX/2019 and processed the payments even though they are reporting the total amount and payments incorrectly

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 2022-10-15 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: TX

Complaint narrative:
On XX/XX/XXXX the XXXX XXXX XXXX flagged my credit report with XXXX debt which is out of network and I was not notified. 
This is a violation of my rights of the No Surprise Act of 2021

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 2022-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX the XXXX XXXX XXXX flagged my credit report with XXXX debt which is out of network and I was not notified. 
This is a violation of my rights of the No Surprise Act of 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX violated my rights. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX violated my rights. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have fraudulent accounts on my credit report that needs to be removed immediately. I have attached the FTC Report that I filed, cover letter restating the accounts that have been submitted on my FTC Report, along with a screenshot from the FTC.GOV website that states " .... if you have an FTC IDENTITY THEFT REPORT, credit bureaus must honor your request to block this information. '' So, that there is no misunderstanding that the bureaus do not have a choice to not block the information that I have reported fraud on my credit report. If not blocked it is also a violation of 15usc 1681c-2 ( a ).

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 2022-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Dynamic Recovery Solutions, LLC
State: FL

Complaint narrative:
I have never received any money from this lender or have even heard of this company. I believe it to be a fraudulent case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
In the spring of XXXX, I paid off my Lane Bryant credit card balance over the phone with Comenity Collections. Somehow, after payoff I was charged late fees and finance charges. Since I had paid off the card and was asked the payoff amount, I did not realize this occurred so on XX/XX/XXXX I had a balance due again that was in collections with Comenity. Over the phone, I specifically asked for the payoff amount to avoid having this happen again. I accepted responsibility and paid the account balance I was told and informed the representative of my concern that " additional '' costs would be applied like last time and I wanted to avoid that. I was told to call Lane Bryant in about XXXX weeks to check the status to make sure everything was clear. I received an email notice that I had a bill but for some reason could not open my account by my phone as usual ( screen disappears as soon as I select card instead of shop ). 
Therefore, I called Lane Bryant Customer Service at XXXXXXXX XXXX on XX/XX/XXXX and was told that there was no balance on my card. I thought I had taken care of everything. On XX/XX/XXXX at XXXXXXXX XXXX, I received a text message from Comenity Bank indicating I need to make a payment to XXXX. I called Lane Bryant but the call went to the Collections. I was told I had a finance charge and XXXX late payments to pay. I told them I was not paying finance charges and late payments on a bill I paid off a second time, especially after taking the necessary steps to make sure I was paying the account in full, and calling as I was instructed to do. After a XXXX phone call of us going back and forth ( them refusing to clear my charges, me telling them I wanted the information to file a dispute ), I was never given the information to file a dispute and then all of a sudden the representative came back on the line and kept saying, " hello are you there? XXXX XXXX are you there? '' I kept responding but she kept repeating that for about 1-2 minutes ( although we had no previous call issues for XXXX minutes ) and then reported, " XXXX since you are not answering, I'm hanging up the phone. Please call Lane Bryant back if you have more questions. '' I tried to sign into my card account today from my laptop to find the details of payments to write my dispute and it appears as if I no longer have an account and I can not tell if I still owe the money. I'm concerned this is still being reported to the credit bureau and I have been unfairly reported for 2 months for a balance that I should have never been charged. 

I have copies of my phone records to show the calls were made to Lane Bryant. I also have the Comenity charges in my XXXX XXXX account.

Company response to consumer: Closed with monetary relief