vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-23 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: GA

Complaint narrative:
Subject : Urgent : Address Dispute and Breach of Personal Information Dear Equifax Dispute Resolution Team, I hope this message finds you well. My name is [ Your Full Name ], and I am reaching out to address a critical matter regarding my personal information that has been breached, compromised, and fraudulently used by a former employee. 

In support of my dispute submission, I have attached the necessary documents through the Equifax web citrix, as per the outlined procedures. Regrettably, I must express my deep dissatisfaction with the lack of fairness and attention my case has received from Equifax. 

The specific concern at hand pertains to the inclusion of an address that is inaccurately listed in my file. This address, a po box , is not only outdated but also fails to reflect my current residence. It is crucial to emphasize that I neither receive mail at this po box nor is it representative of my current address, which I have owned for over 23 years. 

Equifax 's failure to promptly rectify this discrepancy has not only compromised my standing as a consumer but also as a creditor to my estate. Given the urgency of the matter and Equifax 's apparent negligence, I am left with no recourse but to consider legal action if the inaccurate address is not promptly deleted and amended to reflect my accurate and physical residence. 

I trust that Equifax will address this matter with the urgency and seriousness it deserves to avoid further legal implications. 

Thank you for your immediate attention to this pressing issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
Hello, I have a loan with Credit Acceptance. I have been making my payments mostly on time. I believe this year I have fallen behind 3 or 4 times. I am even on autopay as of XX/XX/2023. This company has been reporting me making late payments because I make agreements for a lesser amount of what is owed. This is not a late payment but a payment arrangement. I have tried calling and refutting this information but they say this is a valid status. I even tried making a dispute with XXXX and they did not change the status back. This has been happening for 3 years and doesn't make sense. Can someone look into this for me?

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 2023-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc

Complaint narrative:
To Whom It May Concern at the Consumer Financial Protection Bureau, I am reaching out to file a formal complaint against PayPal, a service I have utilized for four years without any prior issues. However, about 20 days ago, I experienced a significant and distressing problem : PayPal permanently restricted my account without any clear explanation. 

This abrupt account restriction has left me unable to access my funds and receive payments, which has had a considerable impact on my financial transactions, as PayPal is my primary means of receiving payments. 

Despite my attempts to contact PayPal for clarification and resolution, the responses have been largely unhelpful and dismissive. The lack of transparency and communication from PayPal regarding this issue is concerning and has caused me significant inconvenience and stress. 

I am seeking the CFPB 's assistance in addressing this matter with PayPal. I wish to understand the reason behind the sudden restriction of my account and hope to find a resolution that reinstates my access or at least provides a clear explanation of the actions taken against my account. 

Please find the relevant details below : PayPal Email : XXXX Reference ID : XXXX I appreciate your attention to this matter and look forward to your support in resolving this issue with PayPal. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank sent me an offer of balance transfer with 0 % interest till XX/XX/XXXX. I took the deal and received fund twice, {$1100.00} ( XX/XX/XXXX ) and {$5400.00} ( XX/XX/XXXX ). Citibank sent me XXXX statement for {$17000.00} which included both the balance transfers and regular credit card charges. There was no distinction between the two types and statement indicated balance due was {$17000.00}. I paid the amount in full in order to avoid possible interest fees before the pay date. Even though the amount was paid before, Citibank charged transfer fee of {$270.00} on XX/XX/XXXX. I called the credit company on XX/XX/XXXX and requested clarification and reversal of the charge. The bank told me that I have to pay additional amount of {$3600.00} if I want to avoid further interest charges which I complied. The practice of Citibank credit card with balance transfer is confusing, unclear, and deceptive. They should not mix lending and credit card businesses and if they do, they need to clearly distinguish them in their statement. I was unfairly charged the fees and I want them to be reimbursed.

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 2023-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: GA

Complaint narrative:
I am writing to file a formal complaint against Chime Bank regarding the unjustified locking of my account and the refusal to release my funds totaling over {$3000.00}. 

On XX/XX/2021 I discovered that my Chime Bank account had been locked without any prior notice or explanation. I immediately contacted Chime Bank 's customer service to inquire about the reason for the account lock and to request the release of my funds. Despite numerous attempts to get in touch with them, I received vague and unhelpful responses, with no clear explanation as to why my account had been locked. 

As a result of the account lock, I have been unable to access over {$3000.00} in funds that I rely on for my day-to-day expenses and financial obligations. The lack of access to my funds has caused significant financial hardship and distress for me and my family. 

Despite my repeated attempts to provide all necessary documentation and information to verify my identity and resolve any issues, Chime Bank has been unresponsive and has failed to release my funds or provide any clear timeline for resolution. 

I urge the Consumer Financial Protection Bureau to investigate this matter and compel Chime Bank to immediately release my funds and provide a transparent explanation for the account lock. Such actions by Chime Bank go against the principles of consumer protection and fair banking practices. 

I appreciate your attention to this matter and your efforts in ensuring a prompt and fair resolution. Please do not hesitate to contact me if you require any additional information. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I noticed on XX/XX/XXXX of 2023 that the autopay feature on my loan with TD Auto was disabled and it made me default on the loan by 30 days. Upon noticing said issue I immediately paid any outstanding money owed and thought the matter was resolved. 3 days later on XX/XX/2023 TD Auto marked my credit as 30 days late for the XX/XX/2023 payment. Whe I called I was told the auto pay was turned off. When I asked who turned it off the representative was not able to tell me who it was and notified me to submit a complaint. I submitted a complaint both to TD Auto and experian and was told that the reporting on my credit wsa accurate. I do not agree with this as I did not have anything to do with disabling the auto pay. One thing that did pass duing this time is that TD Auto updated their website which I believe had something to do with this and they are not willing to take ownership of the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Opened XX/XX/2019 Amount {$580.00} The company put it on my account after I told them I had no knowledge I was living in another state

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Opened XX/XX/2019 Amount {$580.00} The company put it on my account after I told them I had no knowledge I was living in another state

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 2023-12-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: OH

Complaint narrative:
on XX/XX/XXXX I deposited {$950.00} into PNC ATM branch location. The ATM did NOT deposit the cash. The bank stated they will mail a cashiers check and they have not. they have closed all my accounts but say they will get back to me soon. it has been over a month and they are refusing to return the money even though I have letters stating the machine messed up and I will be getting the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I noticed on XX/XX/XXXXXXXX XXXX  2023 that the autopay feature on my loan with XXXX XXXX  was disabled and it made me default on the loan by 30 days. Upon noticing said issue I immediately paid any outstanding money owed and thought the matter was resolved. 3 days later XXXX XXXXXX/XX/2023 XXXX XXXX marked my credit as 30 days late for the XX/XX/XXXX payment. Whe I called I was told the auto pay was turned off. When I asked who turned it off the representative was not able to tell me who it was and notified me to submit a complaint. I submitted a complaint XXXX to XXXX XXXX XXXX experian and was told that the reporting on my credit wsa accurate. I do not agree with this as I did not have anything to do with disabling the auto pay. One thing that did pass duing this time is that XXXX XXXX updated their website which I believe had something to do with this and they are not willing to take ownership of the issue.

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 2023-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
My wallet was stolen on the night XXXX XXXXXX/XX/2023 In that morning, I got alerts about fraudulent charges on my credit cards, and I denied all the charges. I filed a police report the same day XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Most banks permanently credited the fraudulent charges to my credit cards. 

Bank of America was the exception, and after a long investigation decided not to pay me back fraudulent charges ( {$210.00} made at XXXX and {$12.00} made at XXXX ), with a reason that " The merchant provided documentation confirming you received the merchandise or service. '' Not only this does not make any sense, but it is also a violation of BofA and XXXX 's {$0.00} XXXX XXXX clause. I suggest canceling XXXX accreditation for BofA, if they can't uphold their promises, and make their customers of XXXX loyal years feel like criminals.

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 2023-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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. 

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 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 non-monetary relief
Consumer complaint received 2023-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

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. 

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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Karma, LLC
State: MS

Complaint narrative:
Kredit karma does a daily soft pull on my credit for the last XXXX years straight without authorization. I dont use them but saw it on my credit report and they wont stop

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The following inquires that appeared on my credit report that i did not make and are Unauthorized, i requested from Experian for removal over and over again and they refuse to remove it. 

XXXX XXXX XXXX XXXX XXXX XXXX Card - XX/XX/2023 XXXX Card - XX/XX/2023 XXXX XXXX XXXX - XX/XX/2023 XXXX XXXX - XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Card - XX/XX/2023 XXXX - XX/XX/2023 XXXX XXXX  I do not recognize these lenders and i did not authorize to perform XXXX XXXX  XXXX  on my credit report by the provisions of the fair credit reporting act, i demand these items be investigated and removed from my report, under XXXX XXXX XXXX XXXX XXXX XXXX XXXX you must complete this within XXXX  days

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 2023-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

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 2023-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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, Account name : # XXXX, Account name : # XXXX Account name : # 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 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 non-monetary relief
Consumer complaint received 2023-12-23 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2023 I made a withdrawal from the XXXX Bank ATM at XXXX XXXX XXXXXXXX XXXX XXXX XXXX. I did not guard my input of XXXX XXXX card number into the ATM. After the transaction, while I was sitting in my car, I put my debit card in my lap. Evidently, trying to distract me, a XXXX  came to my passenger window and offered me {$20.00}. I lowered my XXXX front windows and said, " The money isn't mine. '' While I was distracted by the XXXX XXXX, a XXXX XXXX evidently took my card through the driver 's side window. I left the premises for home. Once there, I realized I did not have my debit card. 
I immediately called the Chase fraud line and explained the above circumstances. I was told to destroy my debit card and another would be issued by Chase. I was also told to call the nearest police station. The next day, XXXX XXXX, I filed a theft report with the XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, La XXXX, CA XXXX. {$1900.00} dollars had been withdrawn from my XXXX checking acct. 
XXXX concluded : I " authorized the use of my debit card and XXXX  number. '' I said, " I did not. The thieves must have seen me put my number into the ATM. '' XXXX countered that and refused to look at the XXXX footage that would have captured the theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I recently requested debt validation from all three major credit bureaus regarding an auto loan with XXXX. After reviewing, XXXX and XXXX removed the account because XXXX  found the information to be in XXXX, incomplete or unverifiable. I have relayed this information to Equifax and provided them proof of the investigation results from XXXX and XXXX showing that the account has been deleted, but they refuse to follow protocol. Under the FCRA XXXX XXXX XXXX XXXX XXXX XXXX credit bureau defines information to be in accurate they must share that information with all major credit bureaus as well. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief