vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-18 00:00:00
Product: Credit card or prepaid card — Store credit 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
On XX/XX/2023 a payment deducted from my bank account for {$860.00}, which was the f balance owed on my Barclays Old Navyist card. I called to have the payment returned to my account as I was only trying to pay {$86.00}, the minimum payment. 

My bank declined the first transaction and Barclays assured me they had returned the payment. The payment was returned however in the course the {$860.00} being returned, a day later Barclays made a second attempt and still ended up collecting the {$860.00} from my bank account. 

I went back and forth with the company to try and explain the amount was not in my bank and sent them verification from my bank. After not getting anywhere with XXXX 's I submitted a dispute with my bank and the amount of was returned. 

However, in the course of this, Barclays is now showing my account balance of {$1800.00}. Of which I have not spend. My original credit limit was for {$900.00} and was dropped to {$250.00}. I have not spent this amount on the card. 

I called Barclay 's again in XX/XX/2023 to dispute this and they have yet to resolve the issue. 

It appears they have charged my account for the returned payment and stated it was purchases, which is not true. It has now begun to affect my credit. 

The statements attached in XXXX show no purchases. The XXXX statement shows a purchase for {$860.00} with the caption of unknown authorized user. No purchases and no explanation has been given by them nor are they willing to look into my complaint.

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 2023-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
XXXX XXXX there was a transaction off my PayPal balance XXXX I was having part of each weeks paycheck deposit into PayPal due to my wife and XXXX kids being in XXXX  in XXXX XXXX  with her mother and sister for the summer. She and my kids were living at her moms apartment in XXXX. So when I had a transaction for XXXX XXXX XXXX post to my PayPal account for {$480.00} I asked my wife if it was her and what for. She didnt respond the first day due to her losing her cell phone at XXXX  XXXX  and later in the day activating service on a phone her mom gave her so she could try locating her device. Sometime between her losing her phone and getting a replacement her phone was used to do this transaction. So I began disputes with PayPal. We found out XXXX  is actually a company that my wife hd an app on her missing phone that she had signed up for a credit builder card but rhe app apparently also did hotels which she found out when she contacted their customer service to report the issue and fraud after PayPal initially declined support for the issue. 
My wife has screenshots with time stamps and date of conversation with XXXX  which is the name of the app. They directly told her they could not do anything about the fraud that occurred and to contact PayPal to have them do a fraud chargeback. So I had to redo tact by phone to get a new dispute open due to them denying fraud on the original dispute that was also mislabeled by their system. The new dispute got to a couple days before it would auto close in my favor and the XXXX  or XXXX  or whatever new name they go by reaponded. The customer service department for XXXX  emailed my wife and then the PayPal dispute was closed again in their favor. I reopened a3rd dispute and its again been denied as fraud but the other company just keeps telling my wife they are investigating. This was MY PAYPAL not my wifes and even with us doing everything down to even providing messages between each side PayPal still closed the dispute for not fraud. This was $ for rent and bills. It was meant to help us get into a new house so my wife and kids could come back to XXXX XXXX and not keep living in hotels. PayPal will not provide information on how theyve decided it wasnt fraud, they wont refund our money and neither will the other company but we did find on my wifes credit report that the credit builder account she had is reporting as an open line of credit for {$5000.00} but she only ever put {$20.00} on it once and never got the physical card which she had even messaged them about before. The newest dispute was closed as of today XX/XX/17 as far as my messages show. They were investigating and then never contacted or asked for anything just decided it wasnt fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 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:
Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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
Consumer complaint received 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Opportunity Financial, LLC
State: UT

Complaint narrative:
XXXX and Opp Loan continue to ignore my requests to correct the dates which are incorrect. I've sent the info to Opp Loans directly several times & to the CFPB for both XXXX and Opp Loans. Yet the dates reported continue to be dispute rather than paid and closed dates. XXXX has lowered my score with their inaccurate reporting. Opp Loans could care less. They don't want to fix it and I've tried several times going to them, then to XXXX. Yet the dates are still showing as the dispute dates for 2023 which are incorrect, and XXXX continues to report the accounts as " pays as agreed '' which makes them look like they're open rather than closed accounts. They're paid, closed and no longer active! Yet XXXX and Opp Loans keeps saying the dates are accurate which means they're being lazy or just don't care. I'm going with both! So the below will take place should they continue to fail to fix the problems. I won't keep fighting it. I'll take it to the legal system as I have every right to do for anyone violating Fair Credit Act Laws. I don't want to hear that you're abiding by them because you're both lying! I filed a complaint against Opp Loans with the XXXX XXXX XXXX too. I want someone above their credit area to see what the problem is since they fail to read or understand the issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Webcollex, LLC
State: NC

Complaint narrative:
CKS Financial is harassing me by repeatedly calling me every day and sometimes multiple times a day trying to collect a credit card debt. I have blocked every number that they call me from. They are calling every morning from a different number. They have even called on the weekends.They have brought this so called debt and have no rights to try and collect on it. I cant take it anymore more, the account is closed, its on my credit report as closed on XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-07-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: ALLY FINANCIAL INC.
State: DC

Complaint narrative:
I tried to open an account at Ally Bank a few years ago, and I was denied. When I called asking for an explanation, I was told that it was because my credit score was too low. This had to have been false, because my credit score was and remains well over 700. I suspected the real reason for the denial was because I had recently applied a credit freeze to my consumer reports with XXXX, XXXX, and XXXX after some of my personal information was compromised. But a credit freeze isn't suppose to prevent me from getting an account -- the bank should just reach out to me to confirm it's me trying to open the account before proceeding. 

Today, XX/XX/2023 I tried again to open a savings account -- this time as a joint savings account. Once again, the application was denied. I received no explanation for the denial. The only statement provided by Ally Bank 's automatic system was this : " We weren't able to approve your application. We can't accept your application because it didn't meet our requirements. We didn't make an inquiry to your credit report. We appreciate your interest in Ally Bank. '' I tried calling Ally 's 24/7 support line for more information, but had to wait on hold for a long period of time before I had to give up. It is unclear what " requirements '' Ally Bank claims I have failed to meet.

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 2023-07-18 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: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I was billed {$400.00} by PayPal Credit Services for services to be provided by an airline. The flights were canceled. Passengers were put on another company flight. The connection was missed due to a late starting flight. They did arrive late to a flight in a different state but the luggage was lost and recovered some time after. A claim was made for compensation to the airline without sucess. 

The charges were for upgrade seats and luggage which were not provided. 

A timely dispute was filed with the credit card company by mail and was acknowledged on XX/XX/23. Since then the credit card company deleted the charges from the original card but opened another account and transferred the charges to a new account number. I asked to close the credit account but they will not close the credit account. They refuse to send statements by mail stating they had mail was undeliverable to me. 

The credit card company is charging late fees, and interest, and making calls attempting to collect the debt. They have debited minimum payments from my bank account without permission. They claim that they need 60 days to process the complaint. This time has elapsed as it is almost 90 days since the complaint was sent.

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 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am exercising my rights under 15 USC 1681B ( b ). I tried to get the inaccurate information removed from my report referencing two Child Support accounts. EXPERIAN has violated my privacy according to the Fair and Accurate Credit Transaction Act. Under the FCRA, credit reporting agencies are only permitted to provide credit reports to parties who have a permissible purpose for accessing the information. Permissible purposes include, among others, extending credit, employment purposes, and underwriting insurance. However, accessing an individual 's credit report solely to obtain child support-related information is not considered a permissible purpose under the FCRA.

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 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I found an inaccurate account on my credit 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 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
in accordance with the Fair Credit Reporting act the list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. account name : # XXXX XXXX XXXX, XXXX Account number XXXX account name : # XXXX XXXX  Account number # XXXX XXXX 15 U.S.C 1681 section 602 A. XXXX I have the right to privacy. 15 U.S.C 1681 section 602 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 XXXX make any consumer report containing any of the following item of information Any other adverse item of information other than record of convictions of crimes which antedates the report by more than XXXX years. 15 USC 1681c 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 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
in accordance with the Fair Credit Reporting act the list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. account name : # XXXX XXXX XXXX, XXXX Account number XXXX account name : # XXXX XXXX Account number # XXXX XXXX 15 U.S.C 1681 section 602 A. XXXX I have the right to privacy. 15 U.S.C 1681 section 602 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 XXXX make any consumer report containing any of the following item of information Any other adverse item of information other than record of convictions of crimes which antedates the report by more than XXXX years. 15 USC 1681c 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 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$31000.00} ; XXXX XXXX Balance : {$16000.00} ; XXXX XXXX Balance  : {$2900.00} ; XXXX XXXX Balance : {$17000.00} ; XXXX XXXX Balance : {$12000.00} ; XXXX  XXXX Balance : {$17000.00} ; XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$680.00}.

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 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$31000.00} ; XXXX XXXX Balance : {$16000.00} ; XXXX  XXXX Balance : {$2900.00} ; XXXX XXXX Balance : {$17000.00} ; XXXX XXXXXXXX Balance : {$12000.00} ; XXXX XXXXXXXX Balance : {$17000.00} ; XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$680.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the fair credit react.The list of accounts below has violated my federally protected consumer rights to privacy confidentiality under 15 U.S.C 1681 Lightstream # XXXX has violated my rights 15 U.S.C 1681 Section 602A States I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 Also states that 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. Ant other adverse items of information other than records of convictions of crimes which antidotes the report by more than seven years.

15 U.S.C 1681=2 ( ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consumer reporting agency if the the person knows or has reasonable cause of believe that the information is inaccurate

Company response to consumer: Closed with non-monetary relief