vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
Chase Bank, has charged what they state as trailing interest. They state this interest was calculated on a XXXX balance. I have a letter from Chase stating my balance is XXXX and my account is closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-29 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2022-08-29 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2022-08-29 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: SC

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

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 2022-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Unauthorized inquiries, I reach out to both companies and the 3 credit bureaus and havent received a investigation or any call back sent in numerous documents and still no changes XXXX XXXX XX/XX/XXXXXXXX XXXXl XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2022-08-29 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: AES/PHEAA
State: NY

Complaint narrative:
In sum, my account has been in forbearance since XX/XX/XXXX and no period since then should be excluded under TEPSLF and the CARES Act. 

I applied for forbearance in XXXX of XXXX. Under TEPSLF, I understand that more than 12 months of forbearance would have allowed my period of forbearance to be counted as eligible payments. However, because of the COVID-19 moratorium on payments, FedLoan is not counting the 10 months ( XX/XX/XXXX through XX/XX/XXXX ) I was in forbearance as eligible payments even though they should be since the COVID-19 moratorium was imposed unilaterally in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
In reference to previous CFPB complaint ID # : XXXX submitted XX/XX/XXXX : American Express has violated my rights and failed to address these violations or lawfully remedy the issue to my satisfaction. On XX/XX/XXXX, American Express states in their response ( enclosed ) to this complaint that they lowered my credit card limit based on valid reasons and in accordance with our policies and procedures. This statement confirms more violations of federal law by American Express. Corporate policies and procedures do not supersede Federal Law. 

The decision to lower my credit limit was based upon the following information in the enclosure document dated XX/XX/XXXX ( enclosed ) : The balances on your credit and/or charge Card accounts within and outside American Express , as indicated in your credit report, are high relative to your income known to us. This action is a direct violation of 12 CFR 1002.4 ( a ), 12 CFR 1002.7 ( a ), and 12 CFR 1026.12 ( b ). American Express has admitted to discriminating against me on a prohibited basis, utilizing information from illicitly obtained consumer report. American Express did not have actual, implied, or apparent authority to transact in this manner ( unauthorized ) and I received no benefit. 

This is also an egregious violation of the Graham-Leach Bliley Act, 15 USC 6802 ( 1 ). As a nonaffiliated third party, American Express obtained a consumer report from a consumer reporting agency without express written consent, permission, or knowledge. My nonpublic personal information was disclosed by a consumer reporting agency to a nonaffiliated third party ( American Express ) without clear and conspicuous disclosure. I was not given the opportunity to direct that my information not be disclosed in this. I was not given an explanation of how to exercise my nondisclosure option. 

In addition to discrimination on a prohibited basis, unauthorized use, and unlawful access to my consumer report, I still remain harmed financially and emotionally by American Express ' previous violations of federal law noted in CFPB complaint ID # XXXX which include violations of 15 USC 1602 ( f ), 15 USC 1602 ( p ), 15 USC 1691 ( a ) ( 3 ).

My rights have been violated and I have suffered financial damages. I was unable to provide for my family, make necessary household repairs/improvements, or invest in my business during COVID-19 pandemic when I needed financial assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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: NC

Complaint narrative:
My prior complaint was put in on XX/XX/XXXX, the company responded on XX/XX/XXXX. As of today I still have not got this issue resolved. They are in violation of 15 U.S.C 1681, no permissible purpose. In my earlier complaint I sent a letter from the Bankruptcy court who does place bankruptcies on credit reports. Its been 40 days as of today and no response. According to the FCRA & FDCPA they have 30 days to respond.

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 2022-08-29 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2022-08-29 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2022-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Theres a fraudulent credit inquiry on my credit report that needs to be removed Inquiry : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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: OH

Complaint narrative:
My Venmo account was frozen on XX/XX/2022. I did not receive an email alerting me that my account was frozen which violates their user agreement. After contacting venmo customer support on XX/XX/2022 when I tried to transfer my funds and was not allowed because my account was frozen. The venmo customer support was reading from a script and could not answer my questions so I asked to be transferred to a supervisor 8 times. After being connected to the supervisor XXXX. She informed me that they dont review cases until the consumer brings it to their attention. She also informed that she would be creating an email thread between myself the consumer, XXXX the supervisor, and the account specialist who would being reviewing the account status. I was informed it would take two weeks from the time I brought to their attention to get the matter resolved. They could not provide me a reason after asking multiple times why my account and money was frozen. I have {$1200.00} sitting in my venmo account currently frozen. I was also told that this is happening a lot so they are busy. I received the email thread from XXXX on XX/XX/2022. I responded to the email thread on XX/XX/2022 asking for a status update. Just looking to see if it was even in the process of being reviewed. I received no response from XXXX or the account specialist team which I was promised from XXXX that the thread would be used for updates as well as her personally following up on the status and updates. I called again today XX/XX/2022 I asked again for the reason my account was frozen. They could still not provide me a reason. I asked for a status update they could not provide this as well and was informed it can now take 3 to 6 weeks in order for me to regain control of my account and funds. If possible I would like help regaining control of my finances being frozen by Venmo for no clear reason that they can provide.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NC

Complaint narrative:
Put a credit freeze on my credit report because i thought something was going on look at it and i see hard inquiries that i didnt make and i call them and ask where was they from and they said they cant verify or not so it stays on my report and thats not fair because i dont know any of those companies. Thats what happened when i got in contact with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Credit reporting, credit repair services, 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: OH

Complaint narrative:
I have tried to dispute the bankruptcy that is showing on my credit report. I attempted to asked them how did they get permission? According to USC 1681 c ( a ) 1, states that credit reporting agencies are not to show a bankruptcies on a person 's personal credit report. There are tons of inquiries that I have requested to be removed as well, but they sent me a document stating that its accurate. HOW? They have not sent me anything to validate any of those inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Loan officer at Citizen 's Bank in XXXX, XXXX issued a hard inquiry to all three credit bureaus in my name for a home equity loan for a customer with a similar name on XX/XX/2022, causing my credit rating to drop XXXX points. When I contacted XXXX to report fraud, they answered that it was correct and that it would stay on my credit report for two years. I contacted XXXX by phone and was told that I needed to file a complaint with your office and the police department and send copies of the complaints to them in XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
Wayfair credit card opened in my name through Citi Bank ( CBNA ) with credit limit of {$4000.00}, current amount reported is {$3800.00}. Notified XXXX  & Citi Bank and account is closed. They will begin investigation. 

XXXX XXXX allowed someone to finance through XXXX XXXX XXXX in my name with a credit limit of {$7500.00}. Current charges amount to nearly {$5000.00}. They have declined any further charges on the account and will begin investigation. 

Shipping addresses are the same for both accounts and I do not know anyone at the address.

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 2022-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Good morning ; to whom I might concern I have noticed identity theft someone with my same name used my information to a company I never heard of and they have posted it in my credit report. I contact the credit Berau Transunion and they hanged up on me many times after I sent a Registered letter letting them know that by law they were not supposed to put items that are not mine on my credit report and they have it there causing me to hurt my credit report and having negative item in there. I spoke to Transunion supervisor and she hanged up on me telling me that a company can damage my credit report and report something is not mine. I need help I have the proof that I have sent a Registered letter to them asking them to provide me a signature or something that was done by me and they never sent me but they received the letter I sent .and they are not following the federal law and they will investigate and not erase soemthing is not mine and I have called them and ask them to removed because is not mine and is putten in there. I am scare because I already had identy theft and they want me to give them more information so it gets leaked again. Please help me so Transunion can take those innacurate inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ), that are hurting my credit score and I cant take a home because Transunion is refusing to remove information that is not mine.

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 2022-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Unauthorized inquiries, I reach out to both companies and the 3 credit bureaus and havent received a investigation or any call back sent in numerous documents and still no changes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-29 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: IL

Complaint narrative:
In accordance with the fair credit reporting act TransUnion has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1682 section 603 A section 2 : It also States a consumer reporting agency can not furnish a account without my written instruction.

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.

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