vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-28 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : 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 : 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 2023-06-28 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: UT

Complaint narrative:
I hope this message finds you well. I am writing to express my concern regarding the permanent limitation placed on my PayPal account. I believe this limitation may have been imposed by mistake, as I have not violated any PayPal policies or engaged in any activities that warrant such action. 

I kindly request that you re-investigate my case and consider restoring my account, if possible. I have always been a law-abiding and responsible user of PayPal, and I have utilized the platform for various legitimate transactions without any issues in the past. 

Given the importance of my PayPal account for my online activities, I am deeply concerned about the inconvenience and limitations that this restriction has caused. I would greatly appreciate it if you could expedite the review process and provide a timely resolution to this matter. 

For your reference, the email address associated with my PayPal account is XXXX. I kindly request that you keep me updated on the progress of the investigation and provide any additional information or documentation you may require from my end to assist in the resolution process. 

Thank you for your attention to this matter. I trust in PayPal 's commitment to fairness and professionalism, and I remain hopeful that you will reconsider the limitation placed on my account based on the information provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 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:
XXXX XXXX XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report. I implore you to take immediate action to remove it without any further delay. Please thoroughly investigate this matter and promptly rectify this error by removing the unauthorized inquiry from my credit report. Your urgent attention to this issue is highly appreciated.

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 2023-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: TX

Complaint narrative:
Cricket debited my account after I transferred my line to tmobile. XXXX hs a no refund policy & since i dont have an account they told me to contest it thru my bank. XXXX charged my cash app card so i contested it & cash app denied it. I contested it again and denied it and advised no error was made. I need tht money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Bank of America charged interest on my credit card which was supposed to be interest free for 18 months. They have also charged late fees for failure to pay the minimum amount despite its online banking system indicating a {$0.00} minimum payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I was in a COVID relief forbearance program and was contacted in XXXX to apply for an extension. The extension was denied due to unknown reasons, and the letter sent did not clarify anything. I was rejected for no reason. I have tried calling the bank at XXXX multiple times, but I keep getting the voicemail because of high call volume. I have done my part trying to contact the bank, and no one has bothered to callback or tell me what needs to be done to work out or extend the COVID relief. The XXXX XXXX XXXX website says that I can not do anything online, and must call. I believe that the bank wants me to go into foreclosure instead of offering assistance that is mandated by FHA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I urge you to promptly take action to remove the fraudulent accounts from my credit report, as they were not authorized by me and are causing significant distress. It is crucial that you rectify this error without delay. I kindly request you to thoroughly investigate the situation and expedite the removal of these unauthorized accounts from my credit report as soon as possible. Your urgent attention to this matter is greatly appreciated.

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 2023-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: TN

Complaint narrative:
I have been to the chime company over and over again and after sending document over and over again they will not help me get into my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion has been willfully negligent in its non-compliance with the federal trafficking law, Trafficking Victims XXXX XXXX ( XXXX ) by not removing the requested information within XXXX business days. All information necessary according to XXXX was supplied when the request was uploaded via TransUnion 's website and via XXXX certified mail. TransUnion remains in violation of federal law and did not address ALL issues in the CFPB complaint # XXXX. TransUnion HAS RECEIVED, via its website and the e-Oscar system, the non-governmental agency letter certifying that I have been identified as a victim of human trafficking. TransUnion also received via the CFPB complaint # XXXX additional supporting documentation which ALSO CONTAINED ALL OF THE DOCUMENTATION REQUIRED UNDER REGULATION V to take action after receiving information on a victim of human trafficking. TransUnion has and is CAUSED FURTHER VICTIMIZATION TO ME by willfully refusing to act according and under the federal XXXX act and under the rules outlined under REGULATION V. TransUnion has caused and is causing FURTHER VICTIMIZATION TO ME by being deceitful in its responses to my complaints via the CFPB and claiming they have not received the requested documentation from me when that is NOT accurate. 

TransUnion 's inaction and willful negligence and violations of Regulation V and TVPA on numerous occasions proves their willful defiance and contempt of the laws and rules set forth by the US federal government and its regulators. These actions have now given rise for a sufficient claims to be pursued and filed against them in federal court. ALL documents are ONCE AGAIN, for the 3rd time, attached to this complaint and were provided to TransUnion 4 different times previously via its website and via certified mail.

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 2023-06-28 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: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
Regarding my BARCLAYS JET BLUE CREDIT CARD ENDING in XXXX. I requested closing this account on line and told them specifically not to charge me an annual fee. 
They recently sent me a letter stating that my account was delinquent for the sum of {$40.00} which was the annual fee. They then sent me a letter stating that my credit score was lowered to XXXX points for this delinquent amount. My credit score was previously in the upper XXXX. I contacted the credit card company and they said that I could only close the account by speaking to them and therefore the account was still open. Therefore I was delinquent by {$40.00}. 
This is unfair in that they never contacted my regarding this policy. I went on line and personally demanded that they close the account. Now they have tarnished my credit score and that I need to appeal.

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 2023-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: U.S. BANCORP
State: CA

Complaint narrative:
My complaint is against US bank and how they mishandled a stop payment which caused a {$2000.00} deduction from my account. I scheduled a payment through an App with XXXX XXXX on XX/XX/23 and when I entered to submit the application it did not return a 'correct ' to check for accuracy but took out two payments totaling {$1300.00} for the month of XXXX and XXXX. I was attempting to only submit one payment in the amount of {$660.00}. XXXX XXXX stated that I would need to call my bank to stop the payment so I called US bank to stop the payment and they said as long as the payment is not pending they should be able to stop the payment. The first representative I spoke to said that I would need to cancel my debit card to stop the transaction from going through. So, the debit card was stopped and I had to go to a branch to pick up a temporary card. I was never asked by the representative if it was through the checking account or was it a debit card transaction. The account was set up through a checking account number. The representative ; XXXX XXXX did not ask if a bank account vs a debit card was used. Because he cancelled the card I had to walk into a branch to retrieve a temporary card and this did little to resolve the situation. A stop payment should have been offered. So, I called the bank a 2nd time and explained that XXXX XXXX had cancelled my card which would not stop any transactions from coming through. I then called back and spoke with a representative who put through a formal stop payment and was told that as long as the amount was not pending I would not have any issues with the amount of {$1300.00} posting. On XX/XX/23, the amount posted to my account. This has caused a great deal of stress, inconvenience and monies that are now coming out of my account and US bank is not taking responsibility for the role they played. I also show that the stop payment was cancelled by them and the monies where taken from my account. The bank is maintaining that the {$1300.00} was posted because they were unable to catch it but I believe it was their error because the stop payment was cancelled ( see uploaded image ), the bank will not admit that it was there error. The account statement showed that the original amount of {$1300.00} was removed and upon inspection of my statement/online account today I show that the {$1300.00} posted. Not only am I out of {$2000.00}, but am now told that the bank may take up to 30 days to return the money to 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 explanation
Consumer complaint received 2023-06-28 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: TX

Complaint narrative:
I kindly urge you to remove this inaccurate account from my credit report, as it does not belong to me and I did not provide authorization for its existence. I have taken the liberty of providing you with the necessary documents to substantiate my claim.

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 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 2023-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PENTAGON FEDERAL CREDIT UNION
State: TN

Complaint narrative:
On XX/XX/2023 I applied online to open a new checking account with PenFed which includes a credit check. After the credit check was completed the very same day I received an e mail from PenFed about loading supporting documents. I went ahead a followed the procedure to upload the documents and after I was done I received a notification to allow 3 to 5 business days to process. On XX/XX/XXXX I got another e mail to upload my documents which I did and did not think nothing of it. On XX/XX/XXXX I got another e mail to upload my documents. Again I did as requested and received a confirmation e mail. Today XX/XX/XXXX I mailed them asking for an update and they claim they can can not find my documents or files. Please investigate. I have all the e mails that I received from them if you need them. It is very concerning that they can not locate my personal documents.

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 2023-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: IL

Complaint narrative:
The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28 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:
, I wrote to the below creditors requesting an investigation into items that I believed were fraud, inaccurate, and falsely reported. To this date I have not received a response. Not only do I believe this to be a stall tactic on their part to grant an additional 30 days to comply with my original request, but I believe it to be a blatant violation of 15 U.S. Code 1681i - Procedure in case of disputed accuracy.

Your credit reporting agency has been reporting inaccurate and incomplete account information to my credit file. I am distressed that these referenced inaccurate accounts are on my credit profile. Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1692g validation of debt. Also, in Fisher v. Equifax Information Services LLC ( D. Ariz. 2018 ), your reporting agency may be liable for false reporting. Credit reporting laws ensure that bureaus report only 100 % accurate credit information.

While these third party collectors attempted to collect a debt that is not mine, they broke 15 U.S. Code 1692k - Civil liability. I am maintaining a careful record of my communications with your agency and the false reporting collectors for the purpose of filing a complaint to the FTC if the non-compliance continues. Like, Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), the below false creditors will be liable for your willful non-compliance. Also, in Fisher v. XXXX XXXX XXXX XXXX ( XXXX XXXX 2018 ), they may be liable for false reporting. I respectfully requested to be provided proof of this alleged item, specifically the original application, contract, note, or other instrument bearing my signature.

Please send all validating records through the CFPB and certified mail to my address. I have uploaded a copy of my ID showing my mailing address.

Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. 
Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days of the completion of your reinvestigation. I demand that these accounts be deleted immediately, or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.

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 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX sued me and found out I have no taxable income. They voluntarily withdrew. Since they have done several different credit reporting tactics to ruin my credit and impact my ability to an accurate credit report. Short of obtaining my own legal representation I don't know what they are doing is above board. They are reporting a charge off as an open account on the only credit reporting agency that most lenders use ( see attached ) FICO. They are reporting the charge off as new every month so it unfairly impacts my score. This account charged off in XXXX but as of XX/XX/XXXX the charge off is posting as new and open ( see attached ) yet reporting closed in the description of the account. I had only one other account, XXXX, and they posted the one charge off in XXXX and haven't posted it since, which is the way it's suppose to be reported. You can only charge an account off once yet XXXX XXXX has reported a new and open charge off every month since the original charge off in XXXX on my FICO account. This is unfair and damaging to my ability to recover from a financial hardship and a low point in my life. When I became XXXX and could no longer work.

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