vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Angel Oak Home Loans LLC
State: MO

Complaint narrative:
After speaking with the company XXXX XXXX XXXX XXXX XXXX representative XXXX gathered all my financial information for 2 years in the approval process for a mortgage. Was pretty sure my income documents were valid and strong enough to qualify for financing. Was denied the fianancing for the amount I was requesting ( XXXX ) and never given any follow up of any steps necessary to get qualified since I did not meet the " Requirements '' at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 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: PA

Complaint narrative:
I am writing to express my deep concern regarding the permanent limitation placed on my PayPal account. I believe that this limitation has been imposed by mistake, as I have not violated any of PayPal 's policies. 

I kindly request that PayPal re-investigate my case and consider restoring my account, if possible. I have always adhered to the terms and conditions outlined by PayPal, and I am confident that a thorough review will confirm my compliance with your policies. 

For reference, the email address associated with my PayPal account is XXXX. I kindly ask you to take this matter seriously and give it the attention it deserves. 

I trust in PayPal 's commitment to fairness and integrity, and I sincerely hope that you will reconsider the decision to permanently limit my account. I believe that by conducting a detailed investigation, you will recognize that this limitation was unwarranted and restore my access to the services provided by PayPal. 

Thank you for your attention to this matter, and I look forward to a positive resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
On XX/XX/, I received a letter from Barclays stating that my application for a Barclays Mastercard Black Card was denied because its " review of my prior interactions with Barclays allegedly evidenced cardmember behavior toward Barclays ' representatives which allegedly did not comply with its expectations. '' Those assertions are patently false and defamatory. I have never had any prior interactions of any kind with Barclays that " evidenced cardmember behavior toward Barclays ' representatives which did not comply with [ Barclays ' ] expectations ''.

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 2023-06-13 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
i have a serve pre-paid card through american express which i got from XXXX XXXX when i filed my taxes and my refund was loaded onto the card. today i received an email saying my account has been suspended/locked due to fraudulent activity. the reason why is because XXXX XXXX XXXX store wants to give me back a refund of {$1700.00} and the serve team stopped the refund and i can not access my account i can not use the card at all. i have XXXX XXXX and have no money i have over {$500.00} on the card currently and can't get access to my money. i called the company they said they will mail me a check for the balance i had on my card to my address i no longer live at and they also said they can not update my new address because my account is locked and no longer active. i also have i {$1700.00} refund along with a few other deposits coming to that account number which i will never get because the card no longer works. i have XXXX XXXX and i need my {$2000.00} dollars that is mine and i worked for i do not have a single XXXX to feed my children and no credit to get a loan i need help ASAP. please call XXXX or my cell XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-13 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: CT

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.

The letters are stated with items and issues.

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 explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On Friday, XX/XX/XXXX, I attempted to transfer funds to my wife using XXXX via Capital One 360. The funds never arrived in my wife 's account. Literally vanished into the ether. I called multiple times and was put on hold for over 20 minutes the first time and over 40 the second time. The bank will not help correct the situation. I am being told the missing {$500.00} will be investigated in a 45 day timeframe. I believe this to be a violation of UDAAP regulations on the part of Capital One 360 and perhaps XXXX as well. Not sure about Reg E, but probably some violation there as well. I asked to speak to a supervisor and was put on endless hold. Literally just took my money. Very aggravating. Not helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
XXXX XXXX We received a letter stating that if we payed XXXX that would pay off my truck. 

I was making payments on it and also keeping in contact with them. 

Then we received another letter XXXX XXXX stating that if we payed XXXX it would be payed off. 

when I talked to someone about this they thought the car was not in my possession. 

when I spoke to them and brought up the situation from XXXX they told me that all my payments have been collecting interest and I still owe XXXX So they told me all my payments from the time I purchased this truck have not been going towards my truck. If that's the case where have all my money been going. 

this is not correct at all.

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 2023-06-13 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: TX

Complaint narrative:
fcra and ftc violations, 15 u.s code 1681 c-1 violation, 15 u.s code 1681 c-2, 15 u.s code 1692g validation of debt requested multiple times requested copy of the application for credit on the accounts listed, requesting copy of cardholder agreement or contract and any amendments that may have been made thereto as this will show what the terms of the contract are so i can see exactly what you are pursuing and the amount that you are trying to collect from me. a copy of the full purchase agreement between you and the original furnisher or furnisher in chain, so that i can be sure that you have the proper legal capacity and authority to collect this alleged debt that you claim that i owe you. as you can surmise, i have never done any business with 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 2023-06-13 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: Chime Financial Inc
State: PA

Complaint narrative:
Chime/XXXX  does not have a real credit card. They give you no money and do not run the debit/credit card they give as a credit card. It is not a prepaid credit card. It is a bank account and they give you a credit card that is actually a debit card. Chime, however out of nowhere even though I had it for over 2 years never reported anything false, suddenly went out of their way and reported that my balance on my account increased as if I spent money on an actual real card and gave me a bad credit utilization score knocking of XXXX points with that one false lie. The truth is my account balance was XXXX because I had no funds in the account during the time they reported that I went over some kind of spending limit -- -which was a lie. If no spending limit exists how can I go over it? Please help me fix what Chime did. They knocked my good credit score to fair, out of jealousy and they lied to the credit bureau specifically XXXX and XXXX. If my balance was zero I could not have increased the balance to XXXX which is what they reported intentionally to deprive me of my good credit score. Fix the error you made and reported. They reported false information then the credit bureau reduced my score based on false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 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: MN

Complaint narrative:
NAME : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX  City, State Zip XXXX Mn XXXX Email Address : XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not lat

er than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY Remove all late payments and negative items on my account, and update this account immediately as you are in direct violation of several laws under the fair credit reporting act.

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 2023-06-13 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: MN

Complaint narrative:
NAME : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX City, XXXX XXXX XXXX Mn XXXX Email Address : XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY Remove all late payments and negative items on my account, and update this account immediately as you are in direct violation of several laws under the fair credit reporting act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13 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: FL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I recently received a copy of my ( XXXX, XXXX or XXXX ) credit report, and I noticed some late payments posted on my credit report : Nelnet : Account numbers still varies even after 1st investigation between the bureaus Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the followng circumstances and no other : 2 ) In accordance with the written instructions of the consumer to whom it relates Did I give you written instructions to furnish this account on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.-Except as provided in paragraph ( 3 ), the term consumer report include ( A ) Subject to section 16815-3 of this title, any. 
( ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report and or this account as it has not been properly investigated and this agency is in violation of 15 USC 1681 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of Identity Fraud 3.Fair Debt Collections Practices Act 15 USC 1692 G violations 4.Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 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: UT

Complaint narrative:
Please REMOVE to my credit report the FRAUD ALERT I did not authorize anyone to add it to my report, kindly remove it ASAP.

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 2023-06-13 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: NY

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 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 2023-06-13 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

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

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 2023-06-13 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account XXXX XXXX has violated my rights. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13 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: MD

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry.

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 2023-06-13 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: MO

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 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 2023-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Upon reviewing my most recent consumer report, I noticed the presence of a bankruptcy entry that should not be included. Through my recent study of laws, I have become aware that the inclusion of this bankruptcy violates 15 U.S Code 1681 a ( 4 ) - Consumer Right to Privacy. It is my right as a consumer to have control over the release of my personal information, and your unauthorized disclosure is unacceptable.

I want to emphasize that I am a victim of identity theft, and the inclusion of this inaccurate bankruptcy entry further compounds the damages caused by the fraudulent activity. It is important for you to understand that there are legal consequences, both criminal and civil, for such actions. 

Thank you for your immediate attention to this serious issue.

Company response to consumer: Closed with non-monetary relief