vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc
State: IA

Complaint narrative:
Today XX/XX/XXXX at XXXXXXXX XXXX I was picking up my room and found a debit card issued by XXXX XXXX XXXX, which is linked to my PayPal business account, under my bed. In the past few weeks I have had fraudulent activity on my personal bank account so I called PayPal customer service " ( XXXX ) XXXX '' to see if I could gain access to my account so I could log in and check the transaction records but was told that they could not do that because of some restriction I did however convince the first representative I spoke with to verbally give me some transactions on my account and I noticed ; as she was telling me the transactions on my account, that there were for sure TWO ATM withdrawals and 2 deposits that I did not make OR AUTHORIZE myself. One transaction was for {$160.00} on XX/XX/XXXX the other was for {$200.00} which occurred on XX/XX/XXXX I understand and realize that these transactions happened more than 5 years ago, but I lost access to the email and phone number associated with my PayPal business account around XX/XX/XXXX, so I wasn't able to monitor the transactions that were taking place on my account. Otherwise I would have brought this to their attention much sooner so that this could get resolved. While speaking with them I was repeatedly transferred for no apparent reason other than to get me off the phone, I was hung up on twice, and ultimately I wasn't able to update my phone number or email address on file with my account so that I can access my online transaction records without having to call customer service for help, which they were none of! Seeing how PayPal business accounts and debit cards are covered by the FDIC I assumed that I would get a refund or at least an account credit to resolve the issue since it was a transaction not authorized or done by me. The ONLY person legally allowed to authorize transactions on this account. 

My name is XXXX XXXX and I can be reached at ( XXXX ) XXXX or XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-18 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 loan 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 2022-06-18 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: TX

Complaint narrative:
These hard inquiries XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-18 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: TX

Complaint narrative:
These hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom It May Concern I have recently been informed that there is negative information reported by XXXX XXXX XXXX XXXX in the file they maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing XXXX XXXX Bankruptcy & Chapter XXXX Bankruptcy in XX/XX/XXXX & XX/XX/XXXX I challenge the accuracy, compliance and reportability of this listing and I ask for any documents bearing my signature. They all responded back saying they received this information from the United States Bankruptcy Court. So I then sent a letter to United States Bankruptcy Court asking them why they sent this information to the credit bureau. The United States Bankruptcy Court responded back saying, The bankruptcy court does not report or transmit bankruptcy court records or any other information directly to the " Credit Reporting Agencies ''. I am just a little confused why the credit reporting agencies lied for.

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 2022-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom It May Concern I have recently been informed that there is negative information reported by United States Bankruptcy Court, in the file they maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing XXXX XXXX  Bankruptcy & XXXX XXXX  Bankruptcy in XX/XX/XXXX & XX/XX/XXXX I challenge the accuracy, compliance and reportability of this listing and I ask for any documents bearing my signature. They all responded back saying they received this information from the United States Bankruptcy Court. So I then sent a letter to United States Bankruptcy Court asking them why they sent this information to the credit bureau. The United States Bankruptcy Court responded back saying, The bankruptcy court does not report or transmit bankruptcy court records or any other information directly to the " Credit Reporting Agencies ''. I am just a little confused why the credit reporting agencies lied for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
i have a checking account with HSBC. I found my balance was not correct and that happened in between XXXX and XXXX. I called HSBC asking monthl statement for that period. They said the oldest date they can provide for statement is from XX/XX/XXXX. Please help me to get statments from XXXX XXXX from HSBC. 
The account # is XXXX. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX has violated my rights.

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

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

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 2022-06-18 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: MI

Complaint narrative:
In accordance with the Fair Credit Reportina act XXXX Account #. XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacv 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reportina agency can not furnish a account without mv written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX I submitted a payment through Chase bill pay through the Chase website to XXXX card to pay my husbands credit card ( my husband is also on the Chase checking account ). The payment was rejected by Chase due to security thinking it was an unusually high amount. This resulted in a financial impact of late fees and interest from XXXX. Chase stated they sent a fraud email XX/XX/XXXX however I have no record of this email. I do have a record of a separate email Chase sent on XX/XX/XXXX confirming a quick deposit but no Fraud email. I called Chase XX/XX/XXXX when I realized that I had paid XXXX and that Chase had rejected the payment ( before XX/XX/XXXX I thought that I had somehow forgot to make the payment even though I marked it paid ). I spoke to 6 representatives on XX/XX/XXXX ( XXXX, XXXX, XXXX, XXXX, XXXX, & XXXX ) and was eventually told that credit 's over {$100.00} could not be made over the phone because there was no bank error ( Chase stated they thought it was fraud and declined it regardless of the direct financial impact it had caused me ). The worst part of this situation is that my husband and I applied for a stand alone HELOC thinking our cards had all been paid. We received a letter from XXXX after they pulled my husbands credit stating 'Proportion of Balance To High Credit on Revolving Accounts ' ( he only uses XXXX XXXX and 'Too Few Accounts Rated Current ' ( we pay all are cards in full ahead of time ). Even if Chase pays the late fee and interest ( to date they have declined any waiver due to the amount ), this in no way compensates us or resolves the issues it has caused with the HELOC application. We used our Chase account in good faith to pay a bill with money available in our Chase checking account through a secure website that we log in to each month. Because a Chase associate decided to reject the payment, it has had a substantial impact to me and my family. Chase has done nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
They didn't help me in XXXX weeks my credit score went from XXXX to XXXX I was told to buy more credit services I don't know what's going on this is the XXXX time I called equifax last time it dropped XXXX points now Today it dropped XXXX points and nobody is helping me.i spoke with XXXX no help I even spoke with the supervisor XXXX no help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account DPT EDXXXX # 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

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 2022-06-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account DPT EDXXXX # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account DPT ED/XXXX # 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

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 2022-06-18 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: NC

Complaint narrative:
Hello, I recently contacted XXXX, XXXX, and Experian and asked for an investigation of everything they are reporting on my credit file. I have received back from each bureau saying items were verified. I did thorough research on each myself and found improper inaccuracies in all 3 even after they did thorough research. Listed below are the accounts that were reported as accurate back to me, I will also upload a screenshot of each account showing the inaccuracies. 
Also In accordance with the Fair Credit Reporting act The following accounts have violated my rights. : XXXX Account # XXXX ( Screenshot uploaded ) date open, payment history XXXX Account # XXXX ( screenshot Uploaded ) open date XXXX Account # XXXX ( screenshot uploaded ) date open, payment history XXXX Account # XXXX Screenshot uploaded ) open date, status, pay history XXXX XXXX Account # XXXX ( screenshot uploaded ) Pay history and date last active and limit. 
The above accounts have violated my rights. In accordance with the Fair credit reporting act : 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 an account without my written instructions.

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 2022-06-18 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following accounts have violated my rights : XXXX XXXX XXXX account numbers XXXX, XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX account number XXXX and XXXXXXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX Account number XXXX XXXX Account Number XXXX XXXX XXXX Account XXXX 15 U.S.C 1681 section 602 A States I have the right to privacy.

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

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 2022-06-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I applied for a credit line increase with Zales XXXX Card through Community Bank. I was then called by a representative from Zales stating that they needed a bill from my current address. I immediately went to the US Post Office and mailed it to them. If you search this tracking number # XXXX usps.com you'll see they received the requested info on XX/XX/22. I called and someone told me that they were still reviewing it and someone will contact me when they get a chance. 

On XX/XX/XXXX I see my phone declined a call that came from Comenity bank. I called back and it was their collections department. the gentlemen couldn't figure out who called me and also confirmed that I had a {$0.00} balance with Comenity and couldn't confirm who exactly called me. So he transferred me over to another representative that basically stated that he couldn't tell either, I explained that I was in the process of trying to get a credit line increase to at least $ XXXX {$5000.00}. He said once they're done reviewing my account they'll call me. 

Today XX/XX/22 I received a letter stating that they can't increase my credit limit because they tried to reach me and wasn't able to. That's a lie I spoke to a presentative that stated that they need additional information. This bank is discriminating and I'll like for this to be noted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity 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 non-monetary relief
Consumer complaint received 2022-06-18 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following Companies has violated my rights : XXXX XXXX XXXX XXXX  stores Acc # XXXX XXXX ) XXXX  Acc # XXXX XXXX XXXX XXXX XXXX XXXXXXXX Acc # XXXX XXXX XXXX XXXX ACC # XXXX XXXX ) XXXX XXXX XXXX Acc # XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX Acc # XXXX XXXX XXXX XXXX XXXX XXXX  ACC # XXXX XXXX ) XXXXXXXX XXXX XXXX ACC # XXXX - XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX ) Transunion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ; also states ; A consumer reporting agency can not furnish any account without my Proper written instructions.

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