vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Im not sure which month but someone accessed my account and used a checking account to pay the bill and it kept coming back as nsf and the amount that was paid was charged back to the account which was more than what I originally owed and they added it on to the balance so it caused my payment to go way up so I couldnt pay and they refused to refund that amount that they charged back. I could understand if the account was used if that money that came back as a nsf but they never gave that money available to use and nothing else was charged to the account so my {$500.00} credit limit is not {$1500.00} which is impossible because how can they charge me triple what my credit limit is if they never have the money available while processing the nsf ach that someone did on my account. I want all that money refunded that was charged to my account. Not only did they charge the excess money on my account but they blocked me from disputing or even accessing my account. They wont let me in my account at all now or talk to me because I dont receive the text messages or phone call to my phone number from them for some reason. I can get everyone elses messages and phone calls but not theirs. I just want that money removed from my account so I can pay off my credit card and be done with them. I also want the late fees and everything removed from my credit report since I didnt have access to my account to even pay for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 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: SC

Complaint narrative:
On Monday XX/XX/2022 I received an email that was routed to spam and later recovered. This was done intentionally by PayPal as to be undetected writing an email with a spam bot text. It reads " You can no longer do business with PayPal ''. It then references my funds will be held for 180 days. 180 days have passed and I can not access my account. Furthermore, PayPal is holding my account information ( linked accounts ) from XXXX, XXXX, XXXX checking, XXXX XXXX, and XXXX  hostage. I want my linked account information deleted. PayPal has acted maliciously and intends to steal money from me. I have reached out to them multiple times and met their INTENTIONALLY INCOMPETENT customer service who hardly speaks english. My account was blocked with no reason stated. My account has not been released after 180 days. My account has linked accounts that are being held hostage. FURTHERMORE, I have pending cases for non delivery of goods bought from PayPal and I believe they have retaliated against me. FINALLY, they have retaliated because of my last name being foreign. I'm sure of this. 3 evidentiary pictures are attached. Requested Action : 1. Paypal to stop harrasing me and holding the linked accounts hostage. 2. Paypal to delete all my information especially and including the linked accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-18 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: IN

Complaint narrative:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX and 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.

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 2023-04-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate XXXX payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the XXXX negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and XXXX have got 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 2023-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Affirm Holdings, Inc
State: NV

Complaint narrative:
I have tried to reach out with letters and calls to Affirm. I found that were charges on my credit that I have no knowledge of. I have tried to dispute it with them and credit bureaus. Nothing was done. I spoke with Affirm yesterday and today for over a hour. No information was given again. I asked for the lady 's silence number and a number to speak with a manger, she told me she does not have to share the information at all with me. I did even offer to pay the debt that is not mine and please to have it removed from my credit and I was told no they will look into it. Since 2022 I've been having a issue with them looking into it and nothing is getting done. They are reading off a script and do not care about the livelihood of people. To say they can not give a license number or contact information for anyone above is garbage .All they can say is everything is in review and process.There is none else to speak to. It seems just a standard billing call center. They had no details or notes for anytime a letter was sent or call was made. Its almost like a scam place. Please any help would be greatly appreciated. No one deserves this kind of treatment when there life is on hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate XXXX payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX  days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and XXXX have got 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 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Please help me get a proper solution to this frivolous account that is continuously being removed and added back to my credit reports. I have made several attempts to dispute this debt via handwritten letters sent via certified mailed to the data Furnisher XXXX XXXX XXXX AS I HAVE NO KNOWLEDGE OF THIS ACCOUNT ; IT IS FRAUDULENT AND MUST BE REMOVED IMMEDIATELY and have not received a response or verification that this debt belongs to me. I have retained all documents of my actions thus far for proof and documentation. I believe this is a direct violation of my rights as a consumer per the NC FCRA. to deny my right to receive valid verification that this account belongs to me. I have previously disputed this account and have successfully been able to remove the account however it is just sold to another furnisher, or the current furnisher changes the name and updates or adds this account back to my credit file with no explanation on an erroneous, alleged collections information. XXXX XXXX XXXX has never proved this debt belongs to me legally. In addition, XXXX XXXX XXXX shouldnt be allowed to continue reporting this frivolous debt and the credit Bureaus are failing to properly investigate the information being reported. This fight or battle to fix my credit so that only accurate information is being reported has caused me mental and physical health issues and restraints. I am reaching out as a final result before seeking other solutions. This information needs to be removed from my credit files because it can not be verified and continues to report and update inaccuracies on the credit 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 2023-04-19 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: NC

Complaint narrative:
Please help me get a proper solution to this frivolous account that is continuously being removed and added back to my credit reports. I have made several attempts to dispute this debt via handwritten letters sent via certified mailed to the data Furnisher XXXX XXXX XXXX AS I HAVE NO KNOWLEDGE OF THIS ACCOUNT ; IT IS FRAUDULENT AND MUST BE REMOVED IMMEDIATELY and have not received a response or verification that this debt belongs to me. I have retained all documents of my actions thus far for proof and documentation. I believe this is a direct violation of my rights as a consumer per the NC FCRA. to deny my right to receive valid verification that this account belongs to me. I have previously disputed this account and have successfully been able to remove the account however it is just sold to another furnisher, or the current furnisher changes the name and updates or adds this account back to my credit file with no explanation on an erroneous, alleged collections information. XXXX XXXX XXXX has never proved this debt belongs to me legally. In addition, XXXX XXXX XXXX shouldnt be allowed to continue reporting this frivolous debt and the credit Bureaus are failing to properly investigate the information being reported. This fight or battle to fix my credit so that only accurate information is being reported has caused me mental and physical health issues and restraints. I am reaching out as a final result before seeking other solutions. This information needs to be removed from my credit files because it can not be verified and continues to report and update inaccuracies on the credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate XXXX payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and XXXX have got 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 2023-04-18 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: ND

Complaint narrative:
I wrote a letter to the company that say I owe two collections. One for {$600.00} the other for {$660.00}. I ask for verification and they will not respond to me how they verified this is my account.

According to 15 usu 1681a2 I did not give them writing permission to have these accounts furnished on my report. These two accounts are 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 2023-04-18 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: ND

Complaint narrative:
I wrote a letter to the company that say I owe two collections. One for {$600.00} the other for {$660.00}. I ask for verification and they will not respond to me how they verified this is my account. 

According to 15 usu 1681a2 I did not give them writing permission to have these accounts furnished on my report. These two accounts are inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 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: TX

Complaint narrative:
The following unauthorized inquiries are showing on my credit report : - 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

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 2023-04-18 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: TX

Complaint narrative:
The following unauthorized inquiries are showing on my credit report : - 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 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: TX

Complaint narrative:
I called Experian today and I had to call 3 times because the first 2 times i was hung up on but the 3 time the man I spoke with said I have to dispute the addresses on my account over the phone even though I mailed a letter on XX/XX/XXXX to get these unauthorized addresses off my account and nobody reach out to me telling me I had to speak with anyone I called to check he said he can't remove the addresses because they are attach to my credit report even though I sent a letter and documents saying it's not, and they won't remove the other names on my account. Plus according to 15 USC 1681 Section 604 A Section 2 in the Fair Credit Reporting Act which they are violating my information is supposed to be accurate and up-to-date.

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 2023-04-18 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: FL

Complaint narrative:
In accordance with the fair credit reporting act 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 XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX # XXXX 15 U.S.C 1681 Section 602 A States I have the rights to privacy 15 U.S.C 1681 Section 604 A States A consumer reporting agency can not furnish an account without my written instructions.

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 2023-04-18 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Mercedes Benz Financial Services
State: TX

Complaint narrative:
I took my car in XX/XX/XXXX  to check and see why my car wasnt holding coolant, plus more things. After a pressure test was done, I received a phone call saying that my thermostat needed to be changed and a hose connected to it thats worn would need to be changed also. I got other services done but refused to get the leaking thermostat or worn hose service to be done. I received a phone call from XXXX XXXX saying Mercedes called them saying my car has been abandoned and needed picked up, due to the fact that the guy had sent one number to save to communicate on but called after the first on a different number and I never got a second email, that Im aware of. I picked up my car XX/XX/XXXX  paying {$1900.00} and when I got down the road I noticed coolant running out faster than it was when I took it. Filling it up again and again for my hour and a half drive to make it home, I later discover all of the fluids I had been putting in was now on the floor board of my car ( 6-8 gallons ). I called Mercedes and they first said theyd change the thermostat for just at {$1000.00} off. I then asked about the damages since water had been sitting on the carpet. They asked I bring it back in so they could see where the water was coming from. I got with my financier XXXX XXXX and told them both what was going on, as I got it towed in. The following day XXXX XXXX called me saying they had received an alert that my car had been abandoned again. I told them what was going on and they asked that I keep them updated. I called to update them first thing XX/XX/XXXX  when Mercedes called me claiming the water was coming from two window seals that needs to be changed. XXXX XXXX then told me that my vehicle was already in the process of being picked up, at the request of Mercedes Benz of XXXX XXXX, they was just waiting on the tow truck. Now Mercedes Benz of XXXX XXXX is running water inside a leaking seal of the door/window sending it to me in a video saying the gallons of water came from that on a day that the sun was out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/XXXX my college told me to make a payment that was more than {$100.00} towards my balance in order not to get kick out of my dorm and my classes. I used my entire {$990.00} tax refund towards my balance like they asked. Two days later my RA tells me I need to pack and leave cause they wanted {$3000.00} instead of {$1000.00} and I didnt have that amount at all. I had no money to get back home to MD so I had to stay at a local shelter and missed all my midterms and finals. On XX/XX/XXXX I contacted Bank of America and told them about my serious situation and was told my claim would take XXXX days. And I couldnt get a temporary credit at all. Im currently still at a shelter in NC. The last update I got was that the college lied to the bank and told them the {$990.00} payment I made on the college website doesnt exist at all even though I have several receipts with the invoice number, the college website it was made on and the transaction history with my name on it. the bank told me I would get the money back this month but now there giving the college until May to respond again. I WANT MY MONEY BACK. the bank lied to me and told me 45 days which has passed and now there giving them until the end of MAY. NO COLLEGE STUDENT SHOULD HAVE TO END UP HOMELESS LIKE THIS AT ALL.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have been trying to get this late off my credit for several months. I have sent in 4 disputes and nothing is being done. I have sent in proof that I myself am the one submitting the request to have this removed. I have filled for a full file disclosure and never received it.

Company response to consumer: Closed with explanation