vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-02 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:
I am a live single human being typing this narrative!!! 

In accordance with the Fair Credit Reporting Act. 
The list of accounts below have violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX Have 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 an 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 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 the information is inaccurate I have not given any of these credit bureaus my written consent to post these accounts onto my credit report, student loans are not for public information nor is a mortgage.

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 2022-10-02 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: SC

Complaint narrative:
I am a live single human being typing this narrative!!! 

In accordance with the Fair Credit Reporting Act. 
The list of accounts below have violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX Have 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 an 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 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 the information is inaccurate I have not given any of these credit bureaus my written consent to post these accounts onto my credit report, student loans are not for public information nor is a mortgage.

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 2022-10-02 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I am a live single human being typing this narrative!!! 

In accordance with the Fair Credit Reporting Act. 
The list of accounts below have violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX Have 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 an 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 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 the information is inaccurate I have not given any of these credit bureaus my written consent to post these accounts onto my credit report, student loans are not for public information nor is a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
Paypal is making promo offers, then not honoring the terms of those offers. 

XXXX ) Paypal offered {$15.00} off a XXXX purchase of {$25.00} or more. I, as well as many other people, were shown a {$15.00} discount prior to purchase, then were charged the full price by Paypal. Paypal is refusing to honor the {$15.00} discount they promised. 

XXXX ) Paypal offererd a {$25.00} bonus in cryptocurrency when purchasing {$100.00} in cryptocurrency through their site. After purchasing {$100.00}, they have refused to honor the {$25.00} bonus that was promised. 

In summary, Paypal has made promises for offers -- published on their website -- that they now are choosing not to honor. This thread, https : XXXX, contains multiple people who encountered similar situations, and who have been rejected by Paypal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Tried getting my credit score with transunion and they informed me that I will be charged a fee for that information. Completely unethical in my view. And I inturn can not access my transunion file.

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 2022-10-02 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: EQUIFAX, INC.
State: NM

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, US DEPT OF THE TREASURY : XXXX XXXXXXXX XXXX XXXX XXXXXXXX : # XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 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:
Ongoing issue with outdated XXXX account on my Transunion credit report. I submitted absolute, undeniable proof, multiple documents showing a previous date the account was to be removed. Trans Union ignored my documents and asked XXXX for verification of correct information. XXXX verified the info was accurate They have as proven fact, changed dates & data to keep this account active. This is fraudulent has costed me exorbitant expenses including jeopardizing my employment. This is a clear violation of FACT ACT, TRANSUNION has proof but refuse to correct the issue. XXXX refuse to update their metro 2 report as required by Federal law. I have attached multiple reports with the same date of removal. XX/XX/2022.

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 2022-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/XXXX at around XXXX, {$8000.00} was transferred from my savings account to my checking account without my permission. No other person had access to my debit card at that time. Then XXXX unauthorized transactions totaling at {$4900.00} which left me with {$3000.00} was used on XXXX XXXX which is a XXXX XXXX  company. I called Wells Fargo immediately and reported to them the unauthorized transactions. They said that it would take XXXX business days to review the claim that I made. They have also turned off my previous debit card off that same day and issued me a new one. On XX/XX/XXXX, I called Wells Fargo wanting an update on the claim I made. In short, they needed more time to review my claim and temporarily credited me {$4900.00}. On XX/XX/XXXX, Wells Fargo notified me through email that their investigation is done and will send a detailed letter by mail. I received that letter on XX/XX/XXXX. It said that based on the information I had given them that the transactions were authorized by me or someone who had my permission, and the temporarily credit of {$4900.00} will be reversed within XXXX business days.

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 2022-10-02 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: GA

Complaint narrative:
I recently looked at my credit report Ave notice that there was incorrect info reporting. XXXX companies by the name of XXXX XXXX reporting as collocations account. Neither of these accounts belong to me. I reached out XXXX XXXX and they were not able to locate my info in there system with name and social security number. I sent letter to Experian and XXXX explaining 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 2022-10-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: FL

Complaint narrative:
I applied for my Discover It Secured credit card on XX/XX/XXXX, and was required to pay a security deposit and complete identity verification before the card could be opened. My security deposit was withdrawn from my bank account on XX/XX/XXXX, and Discover confirmed that my information was verified on XX/XX/XXXX. I received my card and it was activated on XX/XX/XXXX. On XX/XX/XXXX, I received an email notice that my account was closed because Discover was unable to verify my personal information. This was after I have spent the past month completing the verification process and having it confirmed. It was a prerequisite to opening the account, so if I wasn't verified the account wouldn't have been opened. There is no reason to now close my account immediately after successfully opening it, before I have even had a chance to use the card. 

I have contacted Discover and they did not resolve this issue or give me any additional information. I was only given a XXXX XXXX mailing address to write to them about the issue, which is not acceptable to me due to the slow nature of mail communication.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
On XX/XX/2022 I completed a mortgage loan application with Navy Federal Credit Union. On XX/XX/2022 I received a credit denial notice in the mail listing excessive obligations in relation to income, delinquent past or present credit obligations and collection action or judgment listed as the reasons for denial. Pursuant to 15 USC 1681a ( k ) ( 1 ) ( B ) ( iv ) ( II ) this adverse action is a violation of my consumer rights. 15 USC 1602 ( f ) states that credit is the right granted by the creditor to a debtor to defer payment of debt or to incur debt and defer its payment.. Credit is my BIRTH RIGHT and IT CAN NOT BE DENIED!. Pursuant to 15 USC 1602 ( l ) credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. I presented my credit card for this transaction, NFCU accepted and charged my credit card, but denied me the benefits received. Though my credit card was taken and charged at the start of this transaction, Navy Federal Credit Union violated my rights as stated above and discriminated against me pursuant to 15 U.S.C. 1691 ( a ) ( 3 ). Navy Federal Credit Union has also criminally used my credit card and charged an unauthorized charge for their own benefit 15 U.S.C. 1602 ( p ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 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: GA

Complaint narrative:
I recently looked at my credit report XXXX notice that there was incorrect info reporting. Two companies by the name of XXXX XXXX reporting as collocations account. Neither of these accounts belong to me. I reached out XXXX XXXX and they were not able to locate my info in there system with name and social security number. I sent letter to XXXX and Equifax explaining this!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: NC

Complaint narrative:
Amshercollectionservices They put a collection account on all my credit bureaus on XX/XX/2022 it is not mine

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HW Holding, Inc
State: OH

Complaint narrative:
An employee of Hunter Warfield named XXXX XXXX [ employee number XXXX ] called me on XX/XX/2022 at XXXX XXXX  EST and left a message to call him back. I have previously sent Hunter Warfield a cease and desist letter in writing by mail to not contact me by phone, email or mail.

I have previously sent Hunter Warfield information to verify that I am the victim of identity theft and that I do not owe and have never owed any debt obligation in Florida. I have attempted to obtain information from Hunter Warfield in order to submit a criminal complaint with local Florida authorities. These attempts have been dismissed by Hunter Warfield.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 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: NJ

Complaint narrative:
On XX/XX/2022 I have received a notification from PayPal that XXXX USD were credited to my account for selling goods. I am not a businessperson, I do not sell any goods. I have immediately notified PayPal about this and asked them to cancel this transaction. They replied that I can send the money back, but I have to pay 4.49 % fee for doing this. I refused to pay the fee because I have not initiated any transaction or asked for any service. PayPal refused to cancel the transaction. I told them that this is fraud. I can not accept money for goods if I haven't sold anything. But they again told me that I have to pay a fee even though I wasn't in any way involved in the fraudulent transaction. I find this unacceptable. I should not be charged to their fraud. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-02 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
On XX/XX/2022, I called XXXX XXXX XXXX Equifax, XXXX and XXXX and advised of the inaccuracies on my credit report as well as inquiries I was not aware of. 
On XX/XX/2022, I received a letter from XXXX indicating the amount paid and date paid. They indicated in the letter they would advise CRAs. ( letter attached within this complaint ) On XX/XX/2022, I received letter from Equifax indicating XXXX account was verified as accurate. However, addresses were removed. I also requested specific inquiries be removed as well. They were not. 
On XX/XX/2022, I received a letter from XXXX indicating the XXXX account was verified as accurate. Again, addresses were removed as well as inquires. However, not all requested. 
On XX/XX/2022, I mailed all three CRAs letters indicating the inaccuracies i need to be addressed. I've attached those documents. 
On XX/XX/2022, I received a letter from XXXX indicating the XXXX account was verified as accurate. However, addresses requested were removed as well as inquiries. 
On XX/XX/2022, I ordered credit monitoring from 3 different services and my reports was not and is not noted that accounts are in dispute. 
Still to this day my reports are not noted that the account was in dispute. This is clearly a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
On XX/XX/2022, I called XXXX XXXX XXXX XXXX, XXXX and Experian and advised of the inaccuracies on my credit report as well as inquiries I was not aware of. 
On XX/XX/2022, I received a letter from XXXX indicating the amount paid and date paid. They indicated in the letter they would advise CRAs. ( letter attached within this complaint ) On XX/XX/2022, I received letter from XXXX indicating XXXX account was verified as accurate. However, addresses were removed. I also requested specific inquiries be removed as well. They were not. 
On XX/XX/2022, I received a letter from XXXX indicating the XXXX account was verified as accurate. Again, addresses were removed as well as inquires. However, not all requested. 
On XX/XX/2022, I mailed all three CRAs letters indicating the inaccuracies i need to be addressed. I've attached those documents. 
On XX/XX/2022, I received a letter from Experian indicating the XXXX account was verified as accurate. However, addresses requested were removed as well as inquiries. 
On XX/XX/2022, I ordered credit monitoring from 3 different services and my reports was not and is not noted that accounts are in dispute. 
Still to this day my reports are not noted that the account was in dispute. This is clearly a violation.

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 2022-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PENTAGON FEDERAL CREDIT UNION
State: DC

Complaint narrative:
I wanted to report fraud on my account and dispute these transactions all transactions with the merchant XXXX XXXX XXXX XXXX XXXX XXXX '' and " XXXX XXXX' every single transaction under those XXXX merchants is fraud and unauthorized transactions I call to try to get them to dispute customer service and fraud department they were not assisting me and didn't add all charges as of right now I don't have my card I'm assuming it's lost I attach photos of each transaction that's fraud 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