vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-23 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 I the consumer and natural person was denied credit by XXXXXXXX XXXX XXXX when I applied for a new car loan. 

Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1692K.

You are the subject to criminal liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by XXXX XXXX through Experian due to the response I received. 

XXXX XXXX XXXX  also EXPERIAN is in violation of 15 U.S.C 1642.

15 U.S.C 1681m and 12cfr 1002.13 because I, the consumer, made an application in good faith, but credit was not issued. 
Furthermore, because my social security number { credit card } was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of EXPERIAN. 

IF EXPERIAN also XXXX XXXXXXXX XXXX fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make these agencies criminally and civilly liable for all actual damages pursuant to 15 U.S.C. 1681n and 15 U.S.C 1681o. 

I will also follow up with an invoice for said violations ( {$1000.00} ) per violation ). 

Thank you!

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 2023-03-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: NC

Complaint narrative:
On XX/XX/XXXX, we traded in the XXXX XXXX XXXX for a XXXX XXXX XXXX at Capital XXXX of XXXX , XXXX. ( will be referred to as Capital for the remainder of this document ) Capital stated they would send payment in full to Kia Finance the next day. Because it was right before the holidays, we were aware there may be a delay in payment being received by Kia Finance but we ( my daughter and I ) would not be responsible for any additional payments to Kia.

I received a call from Kia Finance in XXXX stating my payment on the XXXX was 30 days late and I needed to make a payment immediately to bring my account current. I explained that the car was to be paid off in full by Capital and the payment may be late due to the holidays. Kia stated I will continue to get calls until they received payment. 
I then received a call from Capital stating there was an error in the paperwork sent to Kia Finance, so the check was returned ( which explained why Kia Finance stated my account was overdue ). Capital confirmed they corrected the error and sent the updated paperwork to Kia Finance. My daughter was communicating with Capital via text message to rectify the situation as well. It was our understanding Kia Finance received full payment soon thereafter. 
I received an alert from XXXX ( creditors ) stating my credit ( XXXX ) score dropped 85 points. When I reviewed my credit history, it stated the reason for the drop was Kia Finance. On XX/XX/XXXX Kia Finance lists my account is 30 days past due AND on XX/XX/XXXX, KIA Finance lists my loan is paid in full. Please confirm how my loan is in arrears and paid in full at the same time. When I called Kia Finance to get confirmation, the automated system stated that my account was paid off XX/XX/XXXX, because the check in the amount of {$28000.00} was received on XX/XX/XXXX. 
I also received a letter from Kia dated XX/XX/XXXX indicating the Kia is paid in full. ( attached )

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 2023-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
Our company needs assistance from PayPal regarding their policies and transaction fees and, after numerous attempts to contact the company and resolve these issues directly, we are requesting the assistance of the CFPB as no other options remain. In the subsequent 3 paragraphs, I will describe the issues we need assistance. 

1. What can a merchant do in an instance where a customer, immediately after paying for a PayPal invoice, changes their mind and wants a refund? The logical and easy solution would be to simply issue a full refund but, due to PayPal 's policies of not returning transaction fees, this can't be done. Someone has to lose out on those transaction fees and, especially for a company with larger orders, this is financially significant. Either we have to lose hundreds of dollars for a transaction which may have only been active for a few minutes or we have to give the customer a discounted refund which inevitably leads to problems and disputes. 

2. Adjacent to the problem described in paragraph 1 is the issue where a merchant 's client pays for an invoice through PayPal but wants the products they ordered delivered do an address which is different from the address they put on the invoice. In this situation, if the merchant delivers to the address which was put on the invoice, but which the customer now does not want to deliver, the customer is upset. However, if the merchant delivers to an address which is not on the invoice, the merchant sets themself up to automatically lose in the case of a dispute. Again, if the merchant wants to issue a refund so that the invoice can be done again with the correct delivery address, someone ( the merchant or the customer ) automatically needs to lose out on transaction fees because PayPal doesn't refund transaction fees. Finally, addresses on invoices, per PayPal 's policies, can't be changed after the fact and our company has not been given to clear ( or any ) solutions as to how to handle these situations. 

3. Is there a way, like with some other payment processors to authorize but not capture a PayPal payment? This way an order and payment could be completed sorted out and confirmed before the capture ( and therefore transaction fees ) would take place. Alternatively, if not, can we have our account configured to return transaction fees so that we are not losing money on transactions which need to be cancelled right away? Similarly, what would happen in a case where someone accidentally sends a payment to a merchant? Someone has to automatically lose transaction fees? 

Please assist us in getting competent guidance for these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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: CA

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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: IN

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here.

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 2023-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
My XXXX XXXX XXXX XXXX XXXX servicer has discharged a refund to my old previous closed account to Citi Bank ( XXXX ) initiated XX/XX/XXXX. XXXX XXXX has mentioned the funds was accepted but the account I had with Citi has been closed since XXXX or XXXX. So far I have contacted 3 different Citi bank numbers and one representative just informed me to open an another account but now the funds will be issued 1 to 2 business days back to My XXXX XXXX. I do not have any online banking, routing or account information to log in since the previous account been closed. And I have contacted Debt Management and the Offset Department at the bottom of XXXX letter and still havent gotten through to a phone representative.

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 2023-03-23 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: IN

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: GA

Complaint narrative:
I am a victim of identity theft. Currently an account has been opened in my name for electric with XXXX XXXX down in Texas. They will not close my account without a police report. I have already filed this with the FTC. 

The FTC tried telling me to check NTCUE for other utilities opened in my name. When I called and entered my social security number with street address and zip code for verification, NTCUE could not verify my information. So I could not access my NTCUE information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Apparently a charge was made on this care credit account that I never used in the total amount of {$9200.00} on

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 2023-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: NH

Complaint narrative:
XX/XX/2023 To whom it may concern : 12 months ago, I went to BJs in XXXX, NH and filled out an application for a BJs Mastercard at their service desk which I left with them to forward. Several weeks went by and I hadnt received my card, so I went to BJs service desk and told them. They replied, sometimes it takes a while As time went by, I forgot all about the card and never perused the matter. 
On XX/XX/2023 I received a statement from XXXX XXXX XXXX XXXX XXXX, a debt collector, stating My account with Comenity Capital Bank BJ, s had been turned in for collection in the amount of XXXX. I called XXXX and was told that a card was issued in my name and a XXXX fee was charged initially and the balance was late fees, etc. 
I told them that I had never received the card, I never had placed a phone call activating the card and never received a statement in all that time. 
I received no satisfaction. 
Looking for some help in this regard. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NH XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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: GA

Complaint narrative:
I have been working on my Experian credit profile and I noticed there are an incorrect addresses on my report. If you can also take a look at my name appearing incorrect as well. 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 that support my dispute, including. Thank you for your prompt attention to this matter. 

The incorrect names are XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXXXXXX XXXX XXXXXXXX. 


The incorrect address is XXXX XXXX XXXX XXXX, GA XXXX and the CORRECT Address is XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX 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 2023-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
On XX/XX/2023 BARCLAYS BANK DELAWARE, XXXX XXXX XXXX, XXXX, DE, XXXX, ( XXXX ) XXXX, made an unauthorized fraudulent credit inquiry thru XXXX XXXX, and on XX/XX/2023 opened an unauthorized fraudulent carnival XXXX master card account using my personal information without my knowledge or consent, they appeared to have stolen my personal information to open a fraudulent carnival XXXX master card account for {$8000.00} I only got this information from them thru a phone call.

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 2023-03-23 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. I've disputed these accounts highlighting the inaccurate and incomplete information reporting, and these companies continue to violate my rights. please help me solve these issues. 

Thanks

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 2023-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your failure to provide proof of reinvestigation in response to my dispute. 
On XX/XX/2023, I submitted a dispute to your company regarding XXXX XXXX, XXXX XXXX and XXXXXXXX XXXX XXXXXXXX. As part of my dispute, I requested that you reinvestigate the information and provide me with proof of the reinvestigation, as required by the Fair Credit Reporting Act ( FCRA ). 
However, despite multiple requests for proof of reinvestigation, I have yet to receive any documentation from your company showing that you have completed a reinvestigation of the disputed information. This failure to provide proof of reinvestigation is a violation of my rights under the FCRA and has caused me significant harm and financial loss. 
I am requesting that you immediately provide me with proof of reinvestigation for the disputed information, as required by law. Additionally, I request that you remove any inaccurate or incomplete information from my credit report and take any other necessary steps to ensure that my credit report is accurate and complete. 
If I do not receive a satisfactory response to this complaint, I will be forced to pursue legal action to protect my rights under the FCRA. 
Thank you for your attention to this matter.

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 2023-03-23 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: Kriya Capital, LLC
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ) XXXX/Dept. of ED, XXXX XXXX and Credence Resource Management has violated my rights. 

15 USC 1681 Section 602 States I have right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

XXXXDept. of ED : 1. {$3900.00} ( XX/XX/XXXX ) 2. {$3300.00} ( XX/XX/XXXX ) 3. {$5000.00} ( XX/XX/XXXX ) 4. {$3100.00} ( XX/XX/XXXX ) 5. {$2500.00} ( XX/XX/XXXX ) 6. XXXX ( XX/XX/XXXX ) 7. {$6800.00} ( XX/XX/XXXX ) 8. {$5100.00} ( XX/XX/XXXX ) 9. {$1200.00} ( XX/XX/XXXX ) 10. {$3900.00} ( XX/XX/XXXX ) 11. {$3000.00} ( XX/XX/XXXX ) XXXX XXXX : 1. {$2800.00} ( XX/XX/XXXX ) Credence Resource Mana : 1. {$1000.00} ( XX/XX/XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-23 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been working on my Equifax credit profile and I noticed there is an incorrect addresses on my report. If you can also take a look at my name appearing incorrect as well. 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 that support my dispute, including. Thank you for your prompt attention to this matter. 

The incorrect names are XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


The incorrect Addresses are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


I am also showing an incorrect employer of both XXXX and there is XXXX XXXX XXXX showing that needs to be deleted. 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: GA

Complaint narrative:
My Great Lakes Federal Student Loan servicer has discharged a refund going to my old previous closed account to XXXX XXXX XXXX XXXX XXXX initiated on XX/XX/XXXX. Great Lakes has mentioned the funds was accepted but the account I had with XXXX has been closed since XXXX or XXXX. So far I have contacted 3 different XXXX bank numbers and one representative just informed me to open an another account but now the funds will be issued 1 to 2 business days back to My Great Lakes. I do not have any online banking, routing or account information to log in since the previous account been closed. And I have contacted Debt Management and the Offset Department at the bottom of GreatLakes letter and still haven't gotten through to a phone representative. MyGreatLakes did not verify with me my banking account information on file and I have made a payment in XXXX to GreatLakes from another account that I now currently have.

Company response to consumer: Closed with explanation