vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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.

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 non-monetary relief
Consumer complaint received 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

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.

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 non-monetary relief
Consumer complaint received 2024-04-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Paypal intends to collect amounts not owed and sent the account to a collection agency. 
The Consumer has been spending in legal fees to prepare for civil and criminal investigation as applicable, since it is so clear. This comes from certain purchase at XXXX XXXX which was cancelled, and refunded. 

Paypal seems not to know how to read English, and seems that doesn't know that {$2400.00} - {$2400.00} = XXXX and not {$2400.00} Paypal does not validate the supposed debt and attached you will find the validation with their very own statements of account, and the XXXX XXXX statements of account. 

If they did not send a double refund, to me, they do not have any right to claim a duplicate one. XXXX XXXX refunded once, XXXX XXXX issued a temporary refund until PayPal refunded, and reversed it after Paypal refunded. 

Attached you will find the validation of no debt and the evidence of PayPal intending to defraud the Consumer, with a general adjustment to the account when they did not pay that amount to any of the 3 other parties ( consumer, XXXX XXXX, XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Disputed with XXXX and it says it's my account but I never lived in the area that the credit was open the address is not my address I have never lived anywhere but my home address nor have I ever Owen the phone number attached to account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
PER 15 US CODE 1681 ( b ) ( 2 ), 15 US CODE 1681 ( a ) ( 1 ), 15 USE CODE 1681 ( C-2 ), 15 US CODE 1681 ( a ) ( 2 ) ( a ) ( i ) these accounts need to be removed asap.

Once again per statues above this account needs to be removed asap THIS ACCOUNT DOES BELONG ON MY CREDIT REPORT REMOVE FROM ALL CREDIT REPORTING ASAP THIS ACCOUNT WAS ONCE REMOVED BEFORE AND NOW APPEARS UNDER A NEW COMPANY NAME BUT FROM SAME COMPANY THIS IS A CFPB VIOLATIONA AND THEY SHOULD BE FORCED TO PAY {$100.00} FINE PER MONTH THIS ACCOUNT HAS BEEN REPORTED SINCE IT WAS SUPPOSED 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 explanation
Consumer complaint received 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Transunion is reporting incorrect information on my consumer report. Under federal law the reporting agencies are required to report accurate information. My name is XXXX XXXX XXXX there should be no other names or variations of my name listed are this is considered identity theft. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX there should be no other address listed and if there are it is incorrect and causing me to be denied credit because of this incorrect information. Delete every phone number listed it is not mine and you do not have permission to report it. The employer listed as XXXX is incorrect and needs to be delete immediately. 

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Filed disputes with Experian 2x during week of XXXX XXXX XXXX An account ( XXXX  XXXX XXXX  ) had incomplete information such as payment history + balance + account status etc. My info is correct on XXXX + XXXX but the incompetent employees at Experian are unable or unwilling to do their jobs. Both " investigations '' were complete 1 or 2 days later. My card has a balance/limit and a payment history ( pays on time ) etc and it's a revolving account etc so this is messing my score up as they're not reporting positive information.

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 2024-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
On XXXX using WePay, I requested payment for XXXX invoices for work performed totaling {$26000.00}. All XXXX invoices were sent to one customer, due to performing work in a mobile home park. Each invoice was for a different lot. which is labeled on the individual invoices. Wepay believes that my transactions are to high risk to release my funds to me or refund my customer. If i am a high risk, why not release the funds strait back to the customer that made the payment?????? 
Customer made payment through WePay. 
XXXX days later WePay notified me through e-mail that they cancelled my withdrawal of the money and the funds were added back to my balance. Then they said they closed my account. 
They said they were holding my money for another XXXX days then there would be another review. 
On the XXXX day I emailed WePay and they responded back that they will not be releasing the funds held in reserve. It also said that the account will remain closed and they will continue to hold the money. 
WePay by JP Morgan will not provide a telephone number or address. They only respond by email. Everything is robotic. They will not go into any detail. I can not get any information explaining why they are holding my hard earned money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA

Complaint narrative:
Attempting to log in to my account even with the correct info will tell me the username and password do not match up despite it working days prior. 

If I try too many times with the correct info, it will then lock the account and prompt me to reset the password out of security concerns even though again, I am 100 % certain I have the correct username and password. 

At times, even when I reset the password. I will still be unable to log in and be given the same issue, telling me the username and password do not match up.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
PER 15 US CODE 1681 ( b ) ( 2 ), 15 US CODE 1681 ( a ) ( 1 ), 15 USE CODE 1681 ( C-2 ), 15 US CODE 1681 ( a ) ( 2 ) ( a ) ( i ) these accounts need to be removed asap. 

Once again per statues above this account needs to be removed asap THIS ACCOUNT DOES BELONG ON MY CREDIT REPORT REMOVE FROM ALL CREDIT REPORTING ASAP THIS ACCOUNT WAS ONCE REMOVED BEFORE AND NOW APPEARS UNDER A NEW COMPANY NAME BUT FROM SAME COMPANY THIS IS A CFPB VIOLATIONA AND THEY SHOULD BE FORCED TO PAY {$100.00} FINE PER MONTH THIS ACCOUNT HAS BEEN REPORTED SINCE IT WAS SUPPOSED 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 explanation
Consumer complaint received 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
PER 15 US CODE 1681 ( b ) ( 2 ), 15 US CODE 1681 ( a ) ( 1 ), 15 USE CODE 1681 ( C-2 ), 15 US CODE 1681 ( a ) ( 2 ) ( a ) ( i ) these accounts need to be removed asap. 

Once again per statues above this account needs to be removed asap THIS ACCOUNT DOES BELONG ON MY CREDIT REPORT REMOVE FROM ALL CREDIT REPORTING ASAP THIS ACCOUNT WAS ONCE REMOVED BEFORE AND NOW APPEARS UNDER A NEW COMPANY NAME BUT FROM SAME COMPANY THIS IS A CFPB XXXX AND THEY SHOULD BE FORCED TO PAY {$100.00} FINE PER MONTH THIS ACCOUNT HAS BEEN REPORTED SINCE IT WAS SUPPOSED TO BE REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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. 

Account Name : XXXX  Account # : XXXX Account Name : 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 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 non-monetary relief
Consumer complaint received 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

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. 

Account Name : XXXX Account # : XXXX Account Name : 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 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 2024-04-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AL

Complaint narrative:
Walked into XXXX XXXX about trading a XXXX with cosigner to that vehicle. Found 2 vehicles and had the co-owner to visit dealership to sign. She who is XXXX XXXX wanted to wait 24 hours to check consumer reports. The saleswoman asked if I wanted to purchase another vehicle used not new at lesser price I agreed if she could get it done on XXXX, XXXX, XXXX. I purchased tires plan and lifetime oil changes and gap insurances. It was no longer a joint purchase as trade in vehicle from XXXX XXXX. They refused to add any oil or any fluids to the vehicle the next day. There was an extended wait on XXXX XXXX  to confirm so it went beyond closing and darkness So I decided to return the following morning and remove all items from the trade-in. There was no gas in the new purchase XXXX XXXX I added. They made appointment for tire issue the mechanic gave printout of problem the panel read to give to saleswoman. But she sent her manager saying she could not talk to me for unknown reasons. The car continued to say take to dealer and I made several appointments they got increasingly hostile. They refused any oil services with the contract in hand to show it was paid. They called the XXXX XXXX XXXX XXXX in XXXX, XXXX  and without any warning cited me for trespassing and do not return. Their risk manager said it was not any mechanical issue or problem. They deny any wrongdoing and I definitely say I did nothing to any of those people but ask to buy a car. It hindered my movement driving.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
In spite of an exceptional credit rating per FICO ( three different banks say so, including CHASE ), CHASE bank closed all my credit card accounts ( 4 ) AND a checking account. Their " customer service '' agent said there is no appeal and no one can or will say why. 
After on-line search for similar complaints, I am sure that I have been " de-banked '' for my political views. 

This is clearly un-American but expected under the current administration.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

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.

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 non-monetary relief
Consumer complaint received 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account but was paid on time. Consumer reporting agencies need to report all information accurately. This account has not been late on payments. I have attached a copy of my report to this complaint on the following dates : XX/XX/2023 and XX/XX/2023. I am requesting you investigate and provide verification proof with records showing that I had late payments. If this information can not be verified, I demand these payments be updated to be paid on time immediately. Thank you for your understanding and prompt action.

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 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCS Financial Services, Inc.
State: SC

Complaint narrative:
This credit agency is reporting on my credit illegally. This company is not licensed in my state which is South Carolina. Also Ive never done any business with this company ccs or given any other company the permission to give or sell my information to this company. Identify fraud this company should not have any of my personal information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation