vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-05 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: Global Lending Services LLC
State: GA

Complaint narrative:
1. I was trying to buy a home and realized that i had damages on my report. According to 15 U.S.C 1681 laws there should not be any damages on my credit report. its a defimation of my character. 

2. In 2021, I purchased a car and to my surprise I see several hard inquiries for the same loan and I never gave permission to this. The only company that had permission to pull my credit report was XXXX XXXX as they were financing my loan. The dealer finance department did not communicate this with me, and made several fraudulent puls on my account, They took advantage of the fact that this was my first time purchasing a car. I came in with a pre-approval offer from XXXX XXXX. I did not authorize XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX ( XXXX ) XXXX XXXX  XXXX XXXX XXXX : XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On or about XX/XX/2023, I applied for an XXXX XXXX XXXX  online which is administered by the financial institution mentioned in this complaint. An XXXX credit report was pulled, my credit score is in the XXXX 's. I was approved for a {$10000.00} credit line ( see attached proof ). On XX/XX/XXXX, I was on a trip in Maryland. I attempted to make a purchase at a retailer that accepts this card. Unknown to me, the account had a block on it, with a request to verify my identity. I provided my valid State Driver 's License and a Visa card issued by XXXX XXXX. An attempt was made by the bank to verify my identity by sending me a text code to my phone. The system at the bank malfunctioned and could not send the text. The cell phone number of : XXXX has been my number for 17 years through XXXX XXXX. I have received numerous text codes without any issues whatsoever in the past. My background is as follows : no negative credit information is reported by any major credit reporting credit repositories, a credit utilization ratio of 13 % and over {$170000.00} in available credit amongst my credit cards. I have no fraud alerts on any of my credit reports. I attempted to call the financial institution at the customer service number on XX/XX/2023 for clarification of the issue. The business was of no help to me and could not provide an answer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/2023 the merchant XXXX issued me refunds in the amounts of {$42.00}, {$6.00}, {$11.00}, {$40.00}, {$15.00}, {$46.00}, {$41.00}, {$42.00}, {$11.00}, {$38.00}, {$12.00}, {$10.00}, {$46.00}, {$41.00}, {$15.00}, {$33.00} totaling {$460.00} back to the card that was fraudulently charged to card ending in XXXX. XXXX emailed me and told me that they attempted to process the refunds but the financial institution ( Cash App ) declined/rejected the refunds. I reached to cash app multiple times after speaking with XXXX  and then advising me that I needed to reach out to the card issuer about why they rejected/declined the refunds. I have done that multiple times and either Im given some bogus excuse from cash app or Im recieved replies back about something not even involving these refunds. I have provided cash app screenshots of the correspondence from XXXX yet Cash App is trying to place the blame on XXXX the merchant instead of researching and resolving my refunds being posted back to my account so that I can cash out. It seems as if Cash App has received my funds from XXXX and is fraudulently trying to keep them instead of posting them back to my account. XXXX has assured me multiple times that they have attempted to issue the refunds back but the card issuer keeps rejecting the refunds back to my account that XXXX is sending over willingly. No dispute claim or any of that is involved in this matter. This is a refund solely from the merchant. That Cash App is refusing to post to my account. Cash App customer service seems like its all being ran by AI because the repetitive irrelevant responses I receive are so far off from my issue or always end with no type of resolution but all automated responses. At this point XXXX cant help but to assume that Cash App has stolen my funds that XXXX refunded me because they have not posted to my account as of yet. XXXX XXXX is the agent for service of process for Cash App and if need be I will take cash app to small claims court if this matter isnt resolved within a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
reviewing my Experian credit report I see that my credit score had dropped and that is when I noticed that 2 XXXX credit card accounts with a debit balance have been added to my report that do not belong to me and in which incorrect names appear addresses that I do not recognize and in which I have never lived, as well as two telephone numbers that I do not recognize either, I think I am a victim of identity theft or a victim of erroneous information from Experian in your credit report, this information is affecting me since it It hurts to apply for my mortgage loan, I have been a very responsible person and I pay all my bills up to date and this is shown by the other companies XXXX and XXXX and that is why I request that these erroneous accounts that appear in EXPERIAN be removed from my credit report in accordance with the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i. This information shown below is the erroneous information shown on Experian. I request that this information be removed from my credit report : account info Account name XXXXXXXX XXXX account number XXXX ( I request to be removed from my Experian credit report ) Balance {$10000.00} ( I request to be removed from my Experian credit report ) Account name XXXX XXXX account number XXXX XXXX I request to be removed from my Experian credit report ) Balance {$9200.00} ( I request to be removed from my Experian credit report ) phones that do not belong to me ( XXXX ) XXXX ( I request to be removed from my Experian credit report ) XXXX XXXX ) XXXX ( I request to be removed from my Experian credit report ) addresses I don't recognize : 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  ( I request that all these addresses be removed from my Experian 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 non-monetary relief
Consumer complaint received 2023-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I contacted Portfolio Recovery to confirm the amount that was charged off, as I believe that is incorrect. I never got confirmation on verification of debt from the letter that I mailed off via certified mail through USPS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CARILION CLINIC
State: VA

Complaint narrative:
I have been making payments to Carilion debt collection for over 3 years. I called today to find out why. The worker told me that I still owe {$2000.00} And when that is paid off I have another bill for {$2500.00} for a XX/XX/XXXX bill and a XX/XX/XXXX bill. I know nothing about these bills and she couldnt give me any information. I feel I do not owe anything from this time!!! The Carilion debt collect has placed bank garnishments on me three years ago so she told me they will do it again. I was never given the opportunity to prove that I owe this money. 

Carilion debt collection XXXX ( XXXX ) XXXX XXXX Virginia

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: 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: TX

Complaint narrative:
Please see the attached notarized Affidavit of Truth informing Transunion of my intent to sue due to negligence, statutory, and punitive damages. I have been trying to remedy this account for over 9 months. Attached is the credit report showing the inconsistent data. I have all dispute letters, cfpb complaints, and documentation for my case. I also sent in proof that the account was never late which I will have readily available for court. I was denied credit due to this faulty reporting and I can legally seek statutory damages up to {$1000.00}. XXXX lowered my credit limit due to your inaccurate reporting which I can prove as well. If the late payment is not removed from account XXXX XXXX XXXX, I will move forward with filing a statement of claim in my state.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
On XX/XX/XXXX a string of unauthorized purchases started showing up on my PayPal. It was for a total of {$400.00}. It was sent to a card I DID NOT AUTHORIZED TO BE ADDED AND DO NOT OWN! This was my rent money! I noticed today ( the XXXX of XXXX ) when I went to pull my money and it was gone. I am in jeopardy of homelessness. 

I contacted PayPal over 4 ( 8 if you count the hang ups and 2+ hour waits ) times just to find out each rep did not leave notes. The first rep I talked to told me that I had unauthorized use in XXXX and XXXX, two places I've never been and that someone would reach out within 10 days. I INSTEAD got an email XXXX minutes after opening my claim that my claim was denied. I called 3 more times to explain I need help filing an appeal and I was hung up on, ignored, and told that I would be out in with a supervisor just to be put on a hold for over an hour. I'm dumbfounded on their customer service. This is hard earned money I worked for! Stolen! And nobody wants to help! Please help! Case opened : XXXX Multiple transactions to an account ending in XXXX I DONT HAVE AN ACCOUNT ENDING IN XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I made a purchase on XX/XX/30 for to an attorney for XXXX USD and Amex never returned the credit for the voided transaction. As of XX/XX/XXXX the monies was pending crediting to my account and now the transaction of the monies are completely wiped out /deleted from my account history and is not listed in my statement or any documentation that the monies has provided to me. Amex kept my money and decreased my limit and did not provide my XXXX back to my account.. 

In addition Amex baited and lied to me when I accepted the Amex platinum business and blue card. I had an Amex platinum card set at no limit now Amex has decreased my limit without warning or rationale for all of my card. Without reason since I pay more than what is owed on my account and I am never late. However when I received my business card the limit was first XXXX then less than 30 days it was XXXX and has been decreasing my credit ever since without reason. I pay the fees and charges on time and have never been late. Amex falsely advised me to spend XXXX on the business card to earn XXXX but afterwards decreased my limit as a penalty to their incentive for me to spend. ALL of my cards now have reduced limits and does not allow me to use any of my cards to the full limit. Amex never advised me if I got any credit card that they would reduce my limits and treat it like it was one card even if I pay my credit cards on time. Amex is intentionally abusing my rights as a credit card holder by forcing me to 3 cc from Amex as one overall account like they have are tied together and only have one limit. I have neve4r had this done I have a XXXX account and the limit is XXXX they do not reduce the limit if I spend XXXX on my freedom card but Amex does this without warning or a transparency. Amex also attempted to us info from my bank accounts without my authorization to create a profile on me and my business and falsely categorized my spend from one business account as a source for all of my business activity. Amex mislead me as a customer my offering Amex cards and then reducing my overall credit amount after I accepted the offer, IN addition amex does not allow me to modify my payment when I initiate payment if an error occurred. On more than one occasion a payment was initiated that could not be reversed, deleted or modified because Amex had locked this feature from my account. So if I make an error Amex freezes my account and uses it as an excuse to lock all of my accounts while charging me for services that I have no access to. 

Amex is racist they took advantage of a XXXXXXXX XXXX XXXX XXXX  and made our credit fluidity restrictive by using false and misleading practices to have me spend money and then penalized me after I spent the money by reducing my credit limit even though I have never been late and often pay above the minimum amount due!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo closed my bank account, they then proceeded to charge my closed account for my auto loan. ( they never once emailed me or messaged me about this matter ) Obviously my auto loan payment was not going to go through because it was set to autopay from the account they closed. 

I have called and talked to them every dam month since this happened. They refuse to let me enroll in auto pay. 

So every month they charge mee a late fee, a processing fee, and they refuse to let me enroll in auto pay so this doesn't happen. 

Not only are they negatively affecting my credit report by putting a missed payment that was there fault for closing my account without notice. 

Furthermore they charge me interest and penalties every month while refusing to let me enroll in autopay from my chase account every month. 

What they are doing is terrible I do not know how they are able to do something like this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Credit 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: NY

Complaint narrative:
Transunion stated that they removed a late payment on my account and its still not reflecting on my report. Complaint # XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently checked my credit report and I noticed numerous inaccurate information on my credit report I noticed inaccurate unauthorized inquires and inaccurate accounts please see the attachments listed in this complaint

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
15 U.S. Code 1681c - Requirements relating to information contained in consumer reports ( h ) Notice of discrepancy in address ( 1 ) In general If a person has requested a consumer report relating to a consumer from a consumer reporting agency described in section 1681a ( p ) of this title, the request includes an address for the consumer that substantially differs from the addresses in the file of the consumer, and the agency provides a consumer report in response to the request, the consumer reporting agency shall notify the requester of the existence of the discrepancy. 

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information I have been disputing via Experian online for 2 months now & inaccurate information if still being reported to my credit report! I have called in for the last few weeks trying talk to a live customer service representative and I havent had no such luck. Also, having been put on hold for long periods of time. If I do get to a live person they said they have to put us back in QUE!! Lastly, when I call back after a mistakenly called drop on their end I still get the automated system which cant update the accuracy of my 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 non-monetary relief
Consumer complaint received 2023-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The following inquiries were not authorized by me. These fraudulent inquiries need to be removed as soon as possible. As a victim of my information being compromised in the XXXX breach, Transunion breach, XXXX Breach and the black market, I need these to be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have been asking repeatedly for my information to be updated on my credit report with XXXX, XXXX, and Transunion. Each time I Send them my ID, SS Card, and Proof of Address they keep ignoring my requests. According to 15 USC 1681i regarding inaccurate and unverifiable information if any information is sent in by me as a consumer that information should be promptly deleted from my file or modified based on reinvestigation. I must also be promptly notified by mail of any modifications or deletions as requested. I have not received any mail of results or anything from XXXX, XXXX, and Transunion and they are reporting the following incorrect addresses : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX DE XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA 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 2023-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have been asking repeatedly for my information to be updated on my credit report with Experian, XXXX, and XXXX. Each time I Send them my ID, SS Card, and Proof of Address they keep ignoring my requests. According to 15 USC 1681i regarding inaccurate and unverifiable information if any information is sent in by me as a consumer that information should be promptly deleted from my file or modified based on reinvestigation. I must also be promptly notified by mail of any modifications or deletions as requested. I have not received any mail of results or anything from XXXX, Experian, and XXXX and they are reporting the following incorrect addresses : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX DE XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc.
State: DE

Complaint narrative:
I was not aware of ever having an account with XXXX or with XXXX. I was the victim of identify theft and these are not my debts. I AM currently paying for and responsible for an account with XXXX ( via Comenity Bank ), and have set up a payment plan to pay that closed debt off over the next five years. These other two account are not mine- I have received nothing in the mail ( bills, statements, etc. ).

Company response to consumer: Closed with explanation