vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My account should not show any late payments because I have always paid on time. It is unacceptable to see late payments on 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 non-monetary relief
Consumer complaint received 2023-06-05 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
This account has been charged XXXX I believe for XXXX XXXX, which I did not charge. XXXX calling XXXX they stated it is not services that is mine. It was charged erroneously and I am getting XXXX $ in fees because citi corp credit card is not doing their job. I have called 3 times to get this resolved and they said yes we will take care of it and it is never done. This is the second issues with this card not dealing with charges that are charged incorrectly. Last time I called I stated I do not want this card any longer. Customer services is terrible and I have wasted more than 3 hours dealing with this and it still isnt done. Filing another dispute through uou

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
XXXX XXXX uses Synchrony Bank for credit services. On XXXX, I paid a {$140.00} payment. On XXXX the payment was cleared and accepted, but with a {$20.00} insufficient funds charge. If the {$140.00} payment was processed clear to Synchrony Bank, how is Synchrony Bank authorized a {$20.00} insufficient funds charge for funds paid? If I have overdraft protection from my personal bank that protects overdraft, any {$20.00} fee for insufficient funds would be a stated matter of my banks overdraft protection agreement, not a cash snatch from Synchrony Bank who in fact was sufficiently paid now with an unauthorized extra {$20.00}.

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 monetary relief
Consumer complaint received 2023-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Chime Financial Inc
State: PA

Complaint narrative:
Received an email notification about a newly opened Chime account which I did not request or apply for. When I went to the website, the authorization phone number was not mine. 
Per their website instruction, I emailed XXXX. That email suggested I either open a chat or wait 24-36 hours for a response. So I opened a chat. That rep told me I needed to email support @ chime as they could not help me. I replied to the email again and received a response that my case was now closed, since I had opened a chat. 
Now have had to send another email and wait another 24-36 hours for a response...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
Affirm reopened my dispute after I filed a dispute with you all. The recently closed it after trying to contact the same merchant I was unsuccessful in reaching. I expressed to them I uploaded supporting documentation to show no tracking, no history of shipments, no evidence of any kind for the item. After a month of them trying they tell me they are sorry but its not they can do but advises me to keep trying to call them something they could not make successful and something I've been doing for over a yr now. This is unjust that these companies are allowed to place anything on your credit without true evidence. You'd think they would want to also protect their loans/investment but I guess not please help me get justice for this this is soooooo unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 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: OH

Complaint narrative:
I was going over my credit file and I noticed that there are addresses that do not belong to me and several other accounts information that is not correct. On or around XXXX or XX/XX/2020 I had a few late payments from the following companies : XXXX XXXXXXXX XXXX ( COVID ) XXXX XXXX XXXX ( COVID ) XXXX XXXX XXXX XXXX ( XXXX ) DEPT OF EDXXXX XXXX ( COVID ) I have a few accounts that are showing me 30-60 days late and at the time my income was affected by the Pandemic shut down. I am aware that the CARESACT was allowing for consumer protection under the CARES act with creditors offering accommodations. I have on paid on my accounts are showing late pay I have since paid my account off in full and I would like my account to reflect the current status to help protect the integrity of my credit profile. 
The following addresses are not correct and do not belong to me please delete : 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 non-monetary relief
Consumer complaint received 2023-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have been working on my Experian credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. 

The INCORRECT Address that should be deleted is XXXX XXXX XXXX XXXX, IL XXXX Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( XXXX, Experian, and XXXX ) do not have my written permission and this should be removed accordingly. 

I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. 

I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
I have received multiple summons to the court to pay for this debt that I have been disputing for years. I do not owe this debt with the debt collector or the original creditor. The debt is listed on my credit report by 2 companies that share the same website. The police have come to my parents home and to my home. I worry that they will show up at my job. The last document I received was tapped to an address that I no longer reside at however my old roommate notified me of the document and frequent appearances by the police in attempts to serve me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05 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: VA

Complaint narrative:
I am pleading with you to remove this from my credit report as it is not mine and is entirely fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
Left my insurance company, before due date, security number, car, insurance company, company server, still owe them money, at the time of leaving insurance company, bill was paid in full

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 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: MD

Complaint narrative:
Im a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand that the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and did not give Equifax the rights to furnish these accounts. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05 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: I.C. System, Inc.
State: TX

Complaint narrative:
My identity has been stolen along with a possible PPP loan under my business name Small Texas connected entertainment. Copies of my drivers license and social security card have been stolen. Multiple police reports have been made the perps have rerouted my mail back to old addresses I believe to obtain the mail. Also this could include Money laundering drug trafficking human trafficking etc. I moved from XXXX XXXX XXXX back in XXXX of XXXX on my credit report it shows me moving back XX/XX/XXXX. It's been a lot of mail i haven't received. I've found banks accounts with my business name and money transfered. XXXX XXXX bank XXXX XXXX XXXX XXXX cards different insurance policies even looks like a hospital bill maybe.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
Dear CFPB, This complaint is regarding PayPal case XXXX XXXX I had used PayPal to place an order with XXXX in XX/XX/2023. I had returned all items in 3 packages to XXXX. XXXX tracking and weight data shows, all items were returned. However, XXXX staff seems to have missed scanning one of the items. I called them many times, they have been saying they did not get 1 item. I asked XXXX to explain correct weight data reported by XXXX, they are not willing or able to explain the weight matching. I can not even steal this item because it needs online live internet account activation. I have shared all my proof with Paypal. I also showed Paypal that I have bought a new replacement item from XXXX. I even researched XXXX  reviews and found many examples of similar mistake by XXXX of not scanning returns. Paypal has suggested they may side with XXXX because of their volume of business. This will be clear conflict of interest. I am not authorizing Paypal to pay XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Special Financing Company, LLC
State: MI

Complaint narrative:
I am reaching out to the CFPB with concern as to how both the " Special Financing Company LLC and XXXX XXXX  '' operate in the capacity of offering marketing and financing solutions provided to the public. I believed that what had been provided was straight forward but once getting a bit deeper I had discovered that the platform offered by XXXX XXXX is basic and entry at best vs 's what is described compared to what is offered with other platforms. After finding the truth based upon my own discovery i had requested to cancel services not to move forward with XXXXXXXX XXXX. In addition followed up with the Special Financing Company LLC. requesting to cancel service and funding to move forward with XXXX XXXX. Within days of entry and signing their contract i had requested to cancel services, only to be delayed pushed off to support speaking with XXXX going in circles and reselling me on services and having to be rescheduled for the request to cancel for a 15 min call just to cancel which had been pushed off for 2 weeks. Once I had the ability of speaking to XXXX XXXX " financial advisor '' as he stated from XXXX XXXX he refused to cancel stating that i had already been funded and that it was to late to refund or cancel. As XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for over a decade, I have never experienced a company slow walk a simple request like this EVER! The actions of XXXX XXXX 's conduct validates my decision to not proceed with XXXX XXXX or their Special Financing Company LLC. I have also reached out to my Banking institution for the refund of my initial deposit of {$900.00} with XXXX XXXX which had been refunded within 24hrs of my concern, as well all three credit bureaus have been contacted regarding this matter. 
AGAIN My last call with XXXX XXXX was direct and to the point calling out the obvious in which he deflected/ dismissive stating that he had to go to another appointment and that he would not cancel services upon my request and that it was to late. The XXXX XXXX XXXX XXXX had been a bit more receptive and that my request stops with XXXX XXXX 's decision to rescind. XXXX XXXX had reached out after a week and half last Saturday XXXX trying to resolve the matter of my request to cancel or answer questions or answer concerns ... '' going with the motions ''. It is very simple I am over the smoke and mirrors, Cancel services stop dragging this out! I felt like i was dealing with a cable company. What credentials support XXXX XXXX 's title as a financial advisor?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: MI

Complaint narrative:
I C Systems is attempt to collect debit has not proven I owe debit. Have provide proof of debit. I am requesting to dispute the amount of debit and that I am responsible for debit. 
I have receive calls daily to collect debit with no proof. company will not send prove or show statement that i approved charges or services. amount listed on credit report is {$1800.00}. I requesting debit removed from my records and 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 explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
My account should not show any late payments because I have always paid on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
I had a XXXX XXXX XXXX repossessed by Santander Consumer USA due to financial hardship and the plandemic. I have no further knowledge of vehicle. The account was charged of, however, upon reviewing my credit report, ( XX/XX/XXXX ) a new charge was reported. I received no correspondence from this company concerning this new charge. This agency is in violation of improper reporting of a debt without meeting its obligations under the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CHARLES SCHWAB CORPORATION, THE
State: GA

Complaint narrative:
on XX/XX/, Schwab bank failed in sending money to XXXX XXXXXXXX. ( please, see attached documents )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 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: IN

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 XXXXXXXX XXXXXXXX 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 2023-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05 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: OR

Complaint narrative:
Dear PayPal Support Team, I hope this message finds you well. My name is XXXX XXXX XXXX, and I am writing to you regarding a pressing issue concerning my PayPal account associated with the email address XXXX. Recently, I have been informed of a permanent limitation placed on my account, which I firmly believe may be a result of an error. 

I am deeply concerned about this development as it has significantly affected my ability to carry out transactions, hindering both my personal and business engagements. Since I am confident that I have not violated any of the terms and conditions stipulated in the PayPal User Agreement, the limitations placed seem unwarranted and I kindly request an immediate review of this situation. 

Over the course of my account 's lifespan, I have always ensured compliance with PayPal 's policies and rules, maintaining the highest level of integrity in all my transactions. I am therefore genuinely perplexed by this unexpected restriction on my account and would appreciate a comprehensive re-examination of my account activities leading up to this decision. 

In light of the above, I earnestly appeal for the restoration of my account 's full functionality. I trust that upon a thorough review, you will find no breaches of policy on my part, and the restrictions will be lifted. 

I am eager to resolve this issue at the earliest convenience and would be grateful if this matter is escalated to the appropriate department for a swift resolution. I am ready to cooperate fully and provide any additional information required for the investigation. 

Thank you for your prompt attention to this matter, and I am hopeful for a favorable response. 

Best Regards, [ XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation