vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-24 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: CA

Complaint narrative:
I have carefully reviewed my credit report in Transunion and have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be corrected immediately or I will file for litigation. 

XXXX BANK XXXX, XXXX BANK XXXX, XXXX XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-24 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

Complaint narrative:
I believe that it was a mistake to permanently limit my PayPal account. I am using my Paypal account for my online business in XXXX XXXX since XX/XX/2022. My paypal account : XXXX has stucked and hold funds in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and Godbless.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ideal Collection Services, Inc.
State: FL

Complaint narrative:
I have sent disputes to verify and validate this collection several times. I am a victim of identify fraud which is documented on my credit reports too. This has a collection that does not belong to me and was opened fraudulently I have no knowledge of this debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: SC

Complaint narrative:
I have a collection XXXX from XXXX XXXX which was fraud. My brother use my personal information with my consent. The amount of the collection in the amount of {$900.00}. I have small loan inquiries which I never applied for. I already informed the FBI about the issue. And I am a victim of mail theft and identity theft.

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 2022-05-24 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: SC

Complaint narrative:
On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX XXXX  ( Date Opened : XXXX XXXX, XXXX, Balance : {$18000.00} ), XXXX XXXX XXXX  ( Date Opened XXXX XXXX, XXXX, Balance : {$550.00} ), XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$500.00} ), XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$310.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$430.00} ), XXXX ( Opened XXXX XXXX, XXXX, Credit limit {$300.00} ), XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX, Credit limit {$300.00} ), XXXX XXXX XXXX XXXX ( Opened XXXX. XXXX, XXXX, Credit limit {$300.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2022-05-24 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: SC

Complaint narrative:
Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX Balance {$3400.00} XXXX XXXXXXXX Balance {$15000.00}

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 2022-05-24 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: MS

Complaint narrative:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian has failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The inquiry is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove this inquiry from my credit file. 
XXXX XXXX XXXX XXXX  XX/XX/2021

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 2022-05-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2022 I leased a vehicle from XXXX XXXX in XXXX, FL which used XXXX XXXX XXXXXXXX as their leasing company XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXXXXXX appears to be engaged in unfair / inaccurate credit reporting practices. They are using the wrong balance ( the total value of the leased vehicle as my balance ) on credit report and reporting the type of loan as a mortgage not an auto lease. This is a 39 month lease at {$290.00} per month. Total balance is {$11000.00}. They are reporting a balance of {$26000.00} on my credit report. This is deceptive and inaccurate information. I've tried to talk to tell about this and they said there is nothing they can do. This is just the way they do business. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: FL

Complaint narrative:
I have sent 3 certified letters to get inaccurate inquiries, addresses and collection account removed. I have sent in my ids and police reports yet they claim they never received ANY of my certified letters. I have over 20 inquiries that resulted from the fraud and had incorrect addresses on my report too last certified letter was sent XX/XX/XXXX. 2022, I have called over 11 times to get this corrected. Months later and still not done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
In accordance with the fair credit Reporting act Barclays Bank Delaware Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under + open end consumer credit plan as late for anv purpose. 
XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: SC

Complaint narrative:
On XX/XX/XXXX, I contacted TransUnion about the following negative accounts XXXX XXXX XXXX XXXX  ( Opened XXXX XXXX, XXXX, Balance {$330.00} ), XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Highest Balance {$500.00} ), XXXX XXXX XXXX  ( Opened XXXX. XXXX, XXXX, Highest Balance {$710.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2022-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Firstsource Business Process Services, LLC
State: FL

Complaint narrative:
How did you get my personal information? Who and what gave you the rights to violate my rights to privacy as a federally protected consumer? And Are you aware of the laws youre in violation of by getting an federally protected consumer personal information without consent? Now Im giving you this one opportunity Firstsource Advantage LLC to explain yourself and answer every question mentioned above. Failure to comply will result in fines. Best regards! And the best of luck!

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: IL

Complaint narrative:
accordance with the Fair Credit Reporting act 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 my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I, XXXX XXXX, consumer, am submitting this communication to inform Navy Federal Credit Union that by law, you do not have the right to report inaccurate information knowingly or not without my consent, pursuant to 15 USC 1681b ( a ) ( 2 ). After viewing my credit report, it shows derogatory accounts that I question. In accordance with my rights under the Fair Debt Collection Practices Act I am disputing this account and requesting for validation that you have proof of debt. 
In accordance to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. 
I am requesting VALIDATION. Provide me with evidence that I am obligated to pay for the derogatory accounts listed above. 
If your company fails to comply or respond to this letter within the allotted time of 30 days from the date you receive this letter, this account must be deleted and removed immediately from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, has violated my Rights 15 U.S.C 1681 section 602 A. States I have 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

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 2022-05-24 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: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, has violated my Rights 15 U.S.C 1681 section 602 A. States I have 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: CA

Complaint narrative:
I opened a checking account with US Bank on XX/XX/2022. I used the opening account bonus offer of {$500.00}. I met all the requirements of direct deposit and keeping the account open. I was promised a deposit of {$500.00} within 2 weeks of meeting the requirements. It has been over 4 months since I met the requirement but never got the bonus. I called and followed up around 12 times with the bank where I opened the account. They promised me I will get it by early XXXX but I never did.

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 monetary relief
Consumer complaint received 2022-05-24 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: DE

Complaint narrative:
XX/XX/2022 To Whom It May Concern : Charges have been wrongly charged to my account by the same merchant - 27 charges totaling {$12000.00}. 

The Fraud department stated that the Dispute department needs to fix this. 

The Dispute department told me that they could not help me because the ''case numbers need to be reopened ''. 

I was instructed by the Dispute department at Barclays to ask that someone please reopen the following case numbers so that each of these charges can be submitted for dispute. 

I have been trying for 2 months to get this resolved and my bill is due for {$12000.00} in 20 days. Please someone help me remedy this. 

There are 22 case numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please dont hesitate to contact me with any questions. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE 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 monetary relief
Consumer complaint received 2022-05-24 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX 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 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 explanation
Consumer complaint received 2022-05-24 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: SC

Complaint narrative:
On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$18000.00} ), XXXX XXXX XXXX  ( Date Opened XXXX XXXX, XXXX, Balance : {$550.00} ), XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$500.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$430.00} ), XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$310.00} ), XXXX ( Opened XXXX XXXX, XXXX, Credit limit {$300.00} ), XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, Credit limit {$300.00} ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX, Credit limit {$300.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2022-05-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT

Complaint narrative:
I applied for a loan through America First Credit Union. I applied for a {$10000.00} 3-5 % apr 60 month loan. I was called and said that I was approved but they had only one stipulation ... the loan would only cover 100 % of what the car is valued at. I found a car that was {$10000.00} ( and checked the value on XXXX XXXX XXXX and it was valued at {$10000.00}. ) When i called the loan officer ( named XXXX XXXX XXXX he said he will try and get it approved but wasnt sure because they decided the value was {$10000.00}. A few hours later, I received a phone call from XXXX saying that the loan was fully approved but with one other condition. The condition was that I needed to bring the car into any of their branches for an inspection. I called the seller and she graciously agreed to meet me with the car and we can do the transaction at the bank. When we got there, I was told I was only approved for the {$10000.00}. I called XXXX up again and he again told me that I was approved for the full {$10000.00} and that I am good to sign. But when shown the screen, it said denied. Then with lack of professionalism, the loan officer ( XXXX from XXXX branch ) walked over to my seller and told her that they wont approve the loan unless she lowered the price, ( which was humiliating and disrespectful of him to do that without my permission ). After she agreed to do it, then I was told I was approved for a 14 % interest rate for only 36 months ( which was never mentioned to me until then ... considering I applied for a 3-5 % rate for 60 months ). And then he decided to not approve the {$10000.00} and pulled out the amount {$9800.00} out of nowhere after a few minutes of arguing with him ( still have no idea where he got that number from or why he decided to change the amount ). Then he proceeded to push my seller into that and me into signing that deal. I was lied to from the beginning until the moment I was about to sign. This behavior from this company is unacceptable and I am reporting it in hopes that it doesnt happen to another customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: SC

Complaint narrative:
Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX Balance {$3400.00} XXXX XXXXXXXX Balance {$15000.00}

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 2022-05-24 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: SC

Complaint narrative:
Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX Balance {$3400.00} XXXX XXXXXXXX Balance {$15000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: DISCOVER BANK
State: NJ

Complaint narrative:
Discover Card was paid in full and then an interest rate popped up on a card with {$0.00} that was paid off. The company never alerted me of this or sent me a statement to alert me a payment was due. The account became delinquent and when i saw that, i immediately fixed the issue and paid the card.

Company response to consumer: Closed with explanation