vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
IN ACCORDANCE with the fair credit reporting act this creditor has violated my rights! under 15 U S C 1681 section 602 states ''i have the right to privacy '' 15 USC 1681 SECTION 604 A SECTION 2 '' IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT REFURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTUCTIONS. '' UNDER 15 USC 1666B A CREDITOR MAY NOT TREAT ANY PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN AND CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
IN ACCORDANCE with the fair credit reporting act this creditor has violated my rights! under 15 U S C 1681 section 602 states ''i have the right to privacy '' 15 USC 1681 SECTION 604 A SECTION 2 '' IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT REFURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTUCTIONS. '' UNDER 15 USC 1666B A CREDITOR MAY NOT TREAT ANY PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN AND CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Incorrect information 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 explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Incorrect information 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 explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Credit 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: PA

Complaint narrative:
Someone went into my Paypal account and asked for XXXX cash I had a credit limit unused of over {$15000.00} instead of taking the fraud from the crdit card Paypal took it from my personal checking account we caught is called Paypal and place a dispute blocked the person requesting the money and called XXXX XXXX XXXX and stopped payment on it so the fraud wouldn't go through Paypal is still trying to pay the fraud and now have a XXXX again the paypal account asking me to give them XXXX to clear it but we filed fruad with them and I am having trouble fixing this. I have asked them for over 2 years to fix the wallet making the paypal credit card primary and ot use my checking accoung they said many times they would fix it but never did and now this huge problem for a XXXX amputee man I am so frustrated over this XXXX is a lot of money and I have been trying t o resolve this for a few days now and it is getting worse not better. I need this fixed and cleared up before more troublem please.

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 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have consistently contested the inaccuracies in the following information with Equifax, XXXX and XXXX, and unfortunately, the issue remains unresolved to this day. 

1. The following personal information is incorrect Former : XXXX XXXX 2. The following personal information is incorrect Previous Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 3. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX 5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX 6. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX 7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX 8. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX 9. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX 10. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX XXXX. The account is reporting inaccurately and must be removed from my report. 
XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX. The following personal information is incorrect Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX 3. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 4. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 5. The inquiry was not authorized XXXX  XXXX  Date of inquiry : XX/XX/XXXX 6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 9. The inquiry was not authorized XXXX  XXXX  Date of inquiry : XX/XX/XXXX 10. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX 11. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX 12. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX 13. The inquiry was not authorized XXXX Date of inquiry : XXXX14. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 15. The account is reporting inaccurately and must be removed from my report. 
XXXXXXXX XXXX XXXXXXXX Account Number : XXXX The account is reporting inaccurately and must be removed from my report. 
XXXXXXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
On or about XXXX of the year XXXX, I opened an AMERICAN EXPRESS credit card account. This was a valid account linked to my bank account and all the charges up until XX/XX/2019 were mine and authorized. 

However, in XXXXXXXX XXXX XXXX, various of my accounts were stolen/hacked including this American Express card and my bank account. I filed an official Criminal Complaint with the XXXX in the XXXX XXXX XXXX  about this fraud and theft. 

I sent American Express a copy of this Criminal Complaint and a " Fraud Affidavit '' in regards to the illegal activity. 

American Express responded by denying my fraud claim based on the allegation that I allegedly didn't notify my bank of the fraud and that my bank was linked to the American Express Account. But of course it was linked as this was how I paid my American Express bill each month. Which I find irrelevant and false as I did notify my bank of the fraud. And my bank is irrelevant because I reported the fraud to American Express with a valid " Criminal Complaint '' issued by a Virginia Magistrate and Court.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08 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: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
IN ACCORDANCE with the fair credit reporting act this creditor has violated my rights! under 15 U S C 1681 section 602 states ''i have the right to privacy '' 15 USC 1681 SECTION 604 A SECTION 2 '' IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT REFURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTUCTIONS. '' UNDER 15 USC 1666B A CREDITOR MAY NOT TREAT ANY PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN AND CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 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: UPGRADE, INC.
State: FL

Complaint narrative:
IN ACCORDANCE with the fair credit reporting act this creditor has violated my rights! under 15 U S C 1681 section 602 states ''i have the right to privacy '' 15 USC 1681 SECTION 604 A SECTION 2 '' IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT REFURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTUCTIONS. '' UNDER 15 USC 1666B A CREDITOR MAY NOT TREAT ANY PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN AND CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
Synchrony Bank closed an account for inactivity. They claimed they would not reopen the account anymore. Indicating at XXXX time they would be able to. The account is listed on my credit check as closing XXXX, it is only 3 days later XXXX. 
Tires are not a constant purchase, to be actively using the card. If it were available to use for fueling it would have been actively used. 
This is not the first account the sham of a bank has closed for inactivity. XXXX account, again you are not constantly purchasing furniture. XXXX XXXX which was being used at least once a year. 
They suggested I reapply, assuring me I would be approved. I asked them why would I do so and take a hit to my credit score to have the account closed again.

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 2023-11-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
This is my second complaint about transaction ending in XXXX. 

The company only gave me {$7.00} in a goodwill gesture. 

They should have compensated or issued punitive damages to me, at least {$60000.00}. They " forced my hand '' which is a breach of contract ( good faith and fair dealing ) and breach of the Thirteenth Amendment. It's also a nuisance, trespass, and breach of the Shopkeeper 's Privilege. Again, I won a multi-billion dollar default judgement against the XXXX  XXXX XXXX XXXX, and I am hoping that Venmo does not close my accounts because this matter will be sufficient to pay back Venmo anyways.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
RE : inquiry removal Well, checking my most recent credit report, I came across some unauthorized and fraudulent inquiries made by the following companies : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize anyone employed by these companies to make any inquiries nor to view my credit report. In addition I did not give you ( Credit Reporting Agency ) permission to furnish this incorrect information onto my credit report. This is a violation of of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights.

Please validate this information with these companies and provide me with the copies of any documentation associating these my accounts, bearing my signature authorizing an inquiry.

I also demand you to produce a contract between you and I, consumer bearing my signature showing that I gave you any permission to furnish any information on my behalf. 

In the absence of any such documentation, bearing my signature, I formally requested that these fraudulent inquiries be removed immediately from the credit file you maintain under my social security number. 

Please note that you have 30 days to produce the requested contracted and to complete this investigation, as per the Fair Credit reporting Act Section 611. 

XXXX XXXX XXXX XXXX XXXX, XXXX MD XXXX XXXX regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
On XX/XX/2023, I received in a payment from a client ( a medical college in my state that is very well known ) for work performed. Before depositing the check into my account with Chase, I asked about hole policies since the bank that it was drawn on is a local bank and the check and its amount could be easily verified and/or I could cash it if there would be a continuous hold on the funds. I was told by not XXXX, but XXXX individuals with my account at Chase that there would be a hold for the amount but a simple call to customer service would release this hold because it could be verified because its drawn on a well-known bank. I was not concerned with the entire amount of the check being available, but rather that enough of the funds were released for me to pay my mortgage payment to avoid foreclosure. Following the instructions I was provided, I contacted customer service as directed and was told that the check was already verified, and that the full amount of the check would be available to me on XX/XX/2023 and that my pending transactions for my mortgage payment would be cleared ; not returned. On today, XX/XX/2023, I checked my account which showed that the hold was not released and that the transaction for my mortgage payment was returned. When I contacted customer service and told them that I clearly was not told correct information by not only XXXX, but XXXX individuals, they could only apologize and proceeded to provide me with a telephone number for a holds department ( which was not provided on the previous day. ) When I spoke to the young lady in the holds department and asked her to call the other institution to confirm the funds and the check, she told me that they in fact do NOT do this and then proceeded to tell me that I would be responsible for all returned item fees. Chase is getting away with murder because I was told incorrect things by not only XXXX, but XXXX individuals who told me that the hold could be released. I also feel as if I was misled because I could have simply cashed this check on the written bank and not had any issues. Is it because XXXX XXXX? Maybe. Because they literally put the entire amount on hold and didnt even attempt to call the bank it was written on to confirm it. In addition, the woman from the holds department tried to tell me how the system works for cashing checks as if I was ignorant, when little did she know that my family has a history in banking including writing check hold rules and operations for the same bank the check was written on as former VPs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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:
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 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 2023-11-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
I initiated a transfer of {$500.00} on XX/XX/23 from XXXX XXXX XXXXXXXX ( my checking account ) to my Cash Management/Brokerage account with Robinhood. Records from both entities indicate that the transfer posted on XX/XX/23. Within 1 week, I had been in regular contact with Robinhood because the funds were not showing up in my account. They continually advised that they were researching it or that their review team was researching it. They eventually told me over the phone that XXXX XXXX XXXXXXXX had requested the funds back from them which is why they weren't with them. XXXX XXXX XXXX advised that they never requested, or received, any funds back from them. I initiated a dispute at XXXX XXXX  XXXX on XX/XX/23. On XX/XX/23, XXXX XXXX XXXXXXXX advised that they could not pay my claim based on information received by Robinhood, with final notice being received on XX/XX/23. Robinhood then claimed that I spent those funds and provided cherry-picked information to backup their claim. I resubmitted the claim on XX/XX/23, with documentation ( detailed transaction history from Robinhood ) showing that they received the {$500.00} on XX/XX/23, but then did a " chargeback '' on XX/XX/23 for that same amount, effectively putting my account at {$0.00}XXXX XXXX XXXX XXXXXXXX just responded on XX/XX/23, advising that they could not pay on the claim because I legally initiated the transfer. I also sent another request for the funds to Robinhood and on XX/XX/23 they responded stating they closed my account due to a violation of the customer agreement, though they would not specify which, and that they are " unable to verify the legitimacy of the remaining funds on your account. Therefore, no money remains to be returned to you. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I filed a claim last week for unauthorized card use that was denied. I dont feel as if a thorough investigation was completed. Someone used my card at a hotel. If they check the cameras Im sure they would see its not me. I will be filing a police report as this has thrown me into an awful financial position and displaced me from my living situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Zenith Financial Network Inc
State: FL

Complaint narrative:
The company is calling 8-10 times a day and last night called me at XXXX Central time ( my timezone ). The number is a Virginia number meaning it was XXXX their time. This keeps happening and it is becoming harassment.

Company response to consumer: Untimely response
Consumer complaint received 2023-11-08 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: Affirm Holdings, Inc
State: FL

Complaint narrative:
IN ACCORDANCE with the fair credit reporting act this creditor has violated my rights! under 15 U S C 1681 section 602 states ''i have the right to privacy '' 15 USC 1681 SECTION 604 A SECTION 2 '' IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT REFURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTUCTIONS. '' UNDER 15 USC 1666B A CREDITOR MAY NOT TREAT ANY PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN AND CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 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: Self Financial Inc.
State: FL

Complaint narrative:
IN ACCORDANCE with the fair credit reporting act this creditor has violated my rights! under 15 U S C 1681 section 602 states ''i have the right to privacy '' 15 USC 1681 SECTION 604 A SECTION 2 '' IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT REFURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTUCTIONS. '' UNDER 15 USC 1666B A CREDITOR MAY NOT TREAT ANY PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN AND CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.

Company response to consumer: Closed with explanation