vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-06 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 XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXXXXXX Account # XXXX, 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 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 non-monetary relief
Consumer complaint received 2022-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
Rent Recovery Solutions at 1945 XXXX XXXX XXXX XXXX XXXX, GA XXXX has been sending me collections notices in the amount of {$6900.00}. The collection has been reported as pasted due balance. I do not know this company I have never done any business with this company this company does not have a contact with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 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: PA

Complaint narrative:
see attached Identity Theft report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-06 00:00:00
Product: Credit card or prepaid 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: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XXXX, XXXX I purchased what was advertised as a **Brand New In Box** XXXX XXXX  Programmable Thermidistat that was advertised on XXXX. It cost {$460.00} + {$10.00} shipping + {$39.00} tax for a total of {$520.00}. The merchant is XXXX XXXX, XXXX. The purchase was made using my XXXX XXXX XXXX via Paypal. When I received the item on XXXX XXXX, XXXX it was in a XXXX shipping box ( not the original box ) wrapped in bubble wrap, clearly was a used thermidistat and was missing a part. I immediately emailed XXXX XXXX asking him to address the issues. He offered to send me the missing part, refund me if I returned it or he had a different brand, brand new in the box. At this point I had no desire to continue to do business with a dishonest merchant so I elected to return it. Reluctantly, per his request on XXXX XXXX, XXXX ( I waited until after the XXXX rush ) I paid another {$8.00} to have the used item shipped back to him. The {$8.00} included a tracking number and up to {$50.00} insurance but the claim has to be filed within 120 days so that time has passed to even file a claim with XXXX. Now the tracking number has also be archived so it can no longer be tracked. I didn't take out any extra insurance because this purchase clearly falls under Paypal 's Consumer Protection Policy considering he advertised a new item and sent me a used item. Unfortunately, according to the XXXX tracking number it was never delivered to him. After waiting a reasonable amount of time for it to be delivered, I opened a dispute with Paypal. After getting the run arounds with Paypal ( they were waiting for the item to be delivered ) I had no choice but to open a dispute with XXXX on XXXX XXXX, XXXX to keep from having to pay the {$520.00} charge. I have had to reopen the dispute several times with XXXX because they keep resolving the case in the merchant 's favor and apparently Paypal responds back that it is a valid charge which is is NOT! Paypal will no longer talk to me about it since I opened a dispute with XXXX. The final dispute has been closed with XXXX and they are still siding with the dishonest merchant!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-06 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: TX

Complaint narrative:
Recently reviewed my credit file. I noticed some accounts that were investigated and deleted from XXXX. Experian and XXXX has not provided any debt validation or method of verification used to validate debt. 

below XXXX XXXX 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 explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened a Business Checking account with them back in XXXX and now I'm supposed to receive a {$500.00} bonus. I already submitted a complain here earlier ( XXXX ) and Citi responded finally that they need my EIN number, even though I already provided the W9 with it back in XXXX when I opened the account in Branch. I went back to the Citi branch and filled out the W9 last week. They asked I put my SSN, so i did and then they called back saying they need my EIN number instead. So i had to go back in again to fill it out wtih my EIN this time. In the letter I received from corporate ( attached ), it says to call Citi after doing so and they will pay out the bonus. The investigation done weeks ago already said i qualified for the bonus according to the letter. So i called back again, and after being hung up on the first time without saying a word, i spoke with someone who then transferred me twice, i finally spoke with a rep named XXXX XXXX employee # XXXX ) and he kept telling me to go back into the branch again, even though the letter says to call the business line after i submit my XXXX. He said he couldn't read the same letter i received, but insisted that they couldn't assist me with the investigation. SO i went to the branch again and they told me he was wrong, and I had to call in. So now i'm stuck again and have been waiting months for this bonus that i was promised. I call and they say to go in branch, and i go in branch and they say to call. 

They respond to my CFPB complaints saying to send them my completed W9, so I have sent them twice via email but I get no response. I've been waiting for almost a month now and no response. When I call they say that there is nothing they can do.

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 2022-07-06 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: NY

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. 
U.S. DEPARTMENT OF EDUCATION # XXXX, U.S. DEPARTMENT OF EDUCATION # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX  # 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 XXXXXXXX # 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 2022-07-06 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  account name XXXX  XXXX  XXXX- account # XXXX XXXX  XXXX- account # XXXX XXXX  XXXX  XXXX  XXXX XXXX account # - XXXX has violated my rights. 

15 U.S.C. 1681section 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 non-monetary relief
Consumer complaint received 2022-07-06 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:
FCRA violations : inquires not mine XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$92.00} Status Collection account. {$92.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$92.00} Status Collection account. {$9.00} FCRA violations : payments never late XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$270.00} Status Open. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

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 2022-07-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
The bureaus and the company never do the investigation on the account because the date of last activity and account balance were incorrect. This information seems to be misleading and was never corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX has fraudulent accounts on my credit profile that need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 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: FL

Complaint narrative:
I am a victim of identity theft : RXXXX XXXX XXXX XXXX XXXX XXXX XXXX  has fraudulent accounts on my credit profile that need to be removed immediately.

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 2022-07-06 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days.

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 2022-07-06 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account # 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, 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 2022-07-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
In late XXXX, I received my paper credit card billing statement for the Victoria 's Secret store credit card issued by Comenity. The total amount that was due was {$27.00}. I have excellent credit and pay off my credit card balances without the accrual of interest. This card has been no exception since I opened it over 17 years ago. 

I issued a check payment for {$27.00} on XX/XX/2022 and mailed it to the required address along with the payment stub that accompanied my credit card bill. This payment was sent out a day or two after the preparation of the check. However, for some reason, this payment was not processed until XX/XX/2022. 

Because the bill was due on XX/XX/2022, Comenity charged me a late fee of {$27.00} on XX/XX/2022 and a minimum interest charge on XX/XX/2022. 

When I received my XXXX billing statement that should have had a {$0.00} balance on Thursday, XX/XX/XXXX, I called Comenity to complain about the late fees and interest charges as this was not the first time they failed to timely process a mailed in payment and to get the accrued fees removed. However, I could not speak to anyone as the voice recording stated that their were undergoing a system upgrade and to call back at a later time because they were aware of the issues that this system upgrade has caused. Since XX/XX/XXXX, I called on Saturday, XX/XX/XXXX and Wednesday, XX/XX/XXXX, and still have not been able to speak to anyone about my account. I can not even login to my account online to file a complaint due to the system upgrade. 

I never had any issues with this credit card prior to Comenity taking over this account as the issuing creditor. I closed all other store credit cards that were transferred to or issued by Comenity for the consistent issues I have had with them as a creditor. However, I can not close this account due to the impact it would have on my credit history given that this credit card has been opened the longest. 

What is more, I understand the implications of failing to timely pay on a credit card as I am an attorney who has had financial institutions and debt collectors as clients and have filed lawsuits against debtors for their delinquent debt on those institutions ' behalf. 

It is unacceptable for a creditor to refuse to take calls directly from a debtor, especially given the impact of a negative tradeline it would have on my credit report. It is also unacceptable for a creditor to fail to timely process payments when they are received, and it is a consistent issue with Comenity.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-06 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Credit card or prepaid 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On : XX/XX/2022, XXXX gave to : Citibank, {$59.00} as a Credit, on a Citibank Cash Back Card, that is already Closed. Citibank doesn't want the Credit to be given to me on another Debit Card, that I currently have.

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 2022-07-06 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: CA

Complaint narrative:
I opened a account with pay-pal in XXXX. I have a money balance of {$34.00}. I'm trying to get this money sent out to me like I have over the years and NOW in XXXX Pay-Pal says they can't close my account and send me my money of {$34.00} unless I give them my Social Security Number or Bank Account number... ... .Just to GET MY MONEY!!!! When I asked why? The answer I get it to avoid fraud ... ... I've had my account for over 5 years with no issues of fraud and now I want to close my account and get my money of {$34.00} they want all this information. Pay-Pal said they will not give me my money unless I give my personal information. I refuse to give them my info since I HATE THIS COMPANY and want to close my account!!!! Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 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: NY

Complaint narrative:
Derogatory marks generally stay on your report for 7-10 years, but their effects can start to fade over time. 

Overview Reference Number XXXX Date FiledXX/XX/XXXX Classification Bankruptcy Type XXXX XXXX Bankruptcy Responsibility Individual Asset Amount 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 2022-07-06 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: TX

Complaint narrative:
FCRA violations : inquires not mine XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$92.00} Status Collection account. {$92.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$92.00} Status Collection account. {$9.00} FCRA violations : payments never late XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$270.00} Status Open. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

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