vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
I purchased 2 tshirts from a supposed US company from XXXX using my paypal account and never received it. I opened the below despute with paypal : Case ID XXXX Dispute amount {$38.00} USD Transaction ID XXXX Transaction amount {$38.00} USD Transaction date XX/XX/XXXX  Seller name The seller responded saying that the shipment was on its way and for me to cancel the resolution response at paypal. I told them no, its been over 2 months. The shipper immediately returned the shipment to themselved. Paypal sent me the tracking asking me to respond on the XXXX of XXXX, if not they would close the account. I did respond on that day. 

This is directly from their website and they CLOSED the case without refunding me : Your conversation with XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX at XXXX XXXX  XXXX I've never received the product or any delivery update from the merchant. I need a refund. 



XX/XX/2023 at XXXX XXXX  XXXX Hi XXXX, we are so sorry for the matter caused to you. The package may be returned back us. Would you like to cancel the dispute and let us reship the package to you~? 

XXXX XXXXXXXX XXXX XX/XX/2023 at XXXX XXXX  XXXX That really isn't an answer. It's been two months even coming from XXXX. It should have been here sooner. 

This case is closed I asked to speak to a supervisor when the service rep would not help. The supervisor just kept repeating PAYPAL policy about resolution and I asked him how long was I a customer - over 20 years. I said I know the policy and did respond on your website. The shipper never sent the package and the tracking says it was returned to them XXXX, the supervisor said the case was closed and HE will not do anything about it. This is not the first time that shipments from XXXX were suppose to be US companies and then when the order goes in, its from XXXX advertised on XXXX. This is also not the first time that I was refused a refund from paypal when they had concrete proof of errors. Seriously 3 months and no shipment and paypal thinks this is right.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been a victim of identity theft ( credit application made in my name via XXXX XXXX ). 

I am trying to urgently freeze my credit with Experian, however they are not allowing me to do so. 

Their website won't let me sign up ( " Oops, we're sorry! '' error, redirects me to phone support ). Their customer support phone number will not let me reach a human, and instead redirects me to the non-functional website -- even during staffed business hours. There is no option in the phone tree that will allow me to reach a human. 

As custodians of my personal data, this is absolutely unacceptable behavior from Experian, and the experience is designed to make me go away without solving my problem.

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 2023-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I have noticed that there has been multiple unauthorized hard inquiries and other accounts that have been opened that were not made by me. I think it is unfair to feel robbed out of my own information and it be appearing on my credit report inaccurately. I have attempted to contact the companies and credit bureaus to have them removed and they said that they need a police report of some sort but I have no idea who is doing this so therefore I am un-able to file a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK
State: AZ

Complaint narrative:
I have noticed that there has been multiple unauthorized hard inquiries and other accounts that have been opened that were not made by me. I think it is unfair to feel robbed out of my own information and it be appearing on my credit report inaccurately. I have attempted to contact the companies and credit bureaus to have them removed and they said that they need a police report of some sort but I have no idea who is doing this so therefore I am un-able to file a police report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
Capital XXXX During Covid the conpany decided to close my credit card accounts due to stated not being payed. I reached out to the company about the covid relief payment plan system and was denied access to speak to a representative. During this time minimal postal services individuals was no longer working due to them being cut from their jobs during CoVID https : XXXX As mentioned I tried to communicate with them and they told me go into the banks to verify my information using my ID and during that time I was not able to do so. 

https : //www.capitalone.com/updates/coronavirus/ https : XXXX But for myself they did not I still am being told that I am owed the debt which is understandable but there should have been some type of options avaliable to me as they were for other customers. I also reported this information to Experian for their review and still did not follow up with removing such pretentious items from my credit. 

The Equal Credit Opportunity Act [ ECOA ], 15 U.S.C. 1691 et seq. prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age, because an applicant receives income from a public assistance program, or because an applicant has in good faith exercised any right under the Consumer Credit Protection Act As stated by Experian in black and white print : Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. 
Student Loan Information on Accounts : Closed accounts that are still reported as open Inaccurate payment reporting Incorrect status reported Loans listed as delinquent that shouldnt be Loans listed as in default that shouldnt be Individual loans displayed multiple times Loans listed under your name that you didnt take out

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 2023-09-03 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: MI

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.

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 2023-09-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: IL

Complaint narrative:
I recently completed the SAVE plan application which said my payments would be {$420.00}. The application was acknowledged by Nelnet and stated it was in process. Recently I was alerted via Nelnets online portal that my payment would be {$520.00}, which I cant afford and wasnt what the SAVE plan stated which Ive been planning for. This seems unfair and deceptive and contrary to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03 00:00:00
Product: Credit reporting 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:
For a few months I have been in contact with XXXX and XXXX about not reporting a debt that I had yet to pay off on my report. Although they never officially validated my debt, I now have paid off the debt and i need that paid in full fulfillment to reflect on my credit report. Experian has recently deleted the debt entirely but I need it to show PAID IN FULL on my credit report now. I have the letters from both companies that reflect and show that I have paid off the debt.

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 2023-09-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: NH

Complaint narrative:
I have accounts at Ally Bank. 
On XX/XX/2023 I attempted to create online access to my account at Ally Bank but the system revealed that some other individual has already created online access for my account tied to an unknown phone number. 
I called Ally Bank and they refused to authenticate me and grant me access to my account. They claimed a Specialist will call me. They refused to tell me what number the Specialist will call me at, whether it is my actual phone number or the unknown phone number of the some other individual who is not me who has already tied up online access to my account. 
I demand access 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 2023-09-04 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: DISCOVER BANK
State: WY

Complaint narrative:
I went to apply for XXXX home equity loan on XX/XX/XXXX. I got full pre-approval under the terms of 30 year loan interest of 9.99 %. I accepted this. They then requested lots of different information that I submitted. Every file said accepted. On XX/XX/XXXX I called them up because there was a small problem with the mortage statement I submitted. At this time I was told I was no longer approved because of debt to income ratio. The thing being I already had pre-approval and even the proof of income was already accepted. This loan would have been XXXX of my current debt payments without the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I have recently paid off my Student loan debt and I need that to reflect on all 3 Credit Bureaus. Below is the proof of Payoff not only from the IRS but Nelnet Inc. themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-03 00:00:00
Product: Credit reporting 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 got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

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 2023-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have accounts on my report that I have disputed because they are being reported as closed AND written off. How can you report any account as written off yet still report as money owed. Also all they do with each account is update the date and nothing else. These accounts are not being looked into, just updated.

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 2023-09-03 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: IL

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 has violated my rights 15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03 00:00:00
Product: Credit reporting 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:
For a few months I have been in contact with XXXX and XXXX about not reporting a debt that I had yet to pay off on my report. Although they never officially validated my debt, I now have paid off the debt and i need that paid in full fulfillment to reflect on my credit report. XXXX has recently deleted the debt entirely but I need it to show PAID IN FULL on my credit report now. I have the letters from both companies that reflect and show that I have paid off the debt.

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 2023-09-03 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: TX

Complaint narrative:
For a few months I have been in contact with XXXX and XXXX about not reporting a debt that I had yet to pay off on my report. Although they never officially validated my debt, I now have paid off the debt and i need that paid in full fulfillment to reflect on my credit report. XXXX has recently deleted the debt entirely but I need it to show PAID IN FULL on my credit report now. I have the letters from both companies that reflect and show that I have paid off the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03 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: CA

Complaint narrative:
I have received information from XXXX XXXX in regards to Acct # XXXX, and I have continuously requested for the information to be removed by XXXX, XXXX and Transunion and to no avail over 6 times. I have attached the response from XXXX XXXX in reference to the account and no account being found. Im requesting that the account and any other deragatory filing in regards to XXXX XXXX be removed immediately. 
XXXX XXXX XXXX Acct # XXXX ( XXXX  ) XXXX XXXX Acct # 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 2023-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have recently paid off my Student loan debt and I need that to reflect on all XXXX Credit Bureaus. Below is the proof of Payoff not only from the IRS but XXXX XXXX themselves.

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 2023-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have recently paid off my Student loan debt and I need that to reflect on all XXXX Credit Bureaus. Below is the proof of Payoff not only from the IRS but XXXX XXXX themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have recently paid off my Student loan debt and I need that to reflect on all XXXX Credit Bureaus. Below is the proof of Payoff not only from the IRS but XXXX XXXX themselves.

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 2023-09-03 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: AL

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.

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 2023-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
After XXXX threatened legal action. I paid them XXXX as agreed to avoid a legal judgment. XXXX days after I paid the account it seems XXXX or their representative reopened the closed account. This meant the status on the account changed from charged off and delinquent for 120 days to bad debt/collections. It could have been reported as charged off/paid. Or anything that represented that they now considered the account closed as they had received my payment. XXXX 's website acknowledges the payment. Their counsel acknowledges the payment but they failed to report it.

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 2023-09-03 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: AL

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.

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 non-monetary relief