vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-05 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: AZ

Complaint narrative:
I requested an investigation and update to my credit reports, the Credit Bureaus claimed they did a full 100 % accurate investigation, verified the debt and update my reports.

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 2023-10-05 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: AZ

Complaint narrative:
I requested an investigation and update to my credit reports, the Credit Bureaus claimed they did a full 100 % accurate investigation, verified the debt and update my reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 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: TX

Complaint narrative:
It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX Balance : {$550.00} XXXX XXXX XXXX XXXX Balance : {$690.00} XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$470.00} XXXX XXXX XXXX Balance : {$54.00}

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 explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I opened up an account with Navy Federal, 3 days later I attempted to transfer funds from my XXXX XXXX ( old account ) through XXXX. Navy Fed denied it so I tried to request the money through through Navy Fed to XXXX XXXX XXXX. They locked my account so I called and verified with Navy Federal I knew of the charges and explained the same thing. I opened up a new account and attempted to XXXX money from my old account to my new account. He okayed the transactions and restored my account to full access. 3 days later I find out my account was permanently locked and I am banned from Navy Federal forever. I have attempted to figure out what is going on and explain my side of the story. No one will tell me why my account was locked, security said it could be restored but I needed to talk to XXXX because they claimed it as fraud. I called XXXX and they told me to call navy federal. I have spoke to security at navy federal ( which was the most helpful ) and 4 others agents including a supervisor. They have all told me there is nothing they can do and it will not be reversed. Now I have {$1500.00} in that account I cant touch and no information of why I was flagged for fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
" PayPal '', " PayPal Credit '' & " Synchrony '' Customer Support have repeatedly committed Felony Fraud to Illegally Discriminate against me for requesting Handicap Accessible Accommodations regarding making payments to my " PayPal Credit '' & " PayPal Cashback Mastercard '' accounts with PayPal. 

They advertise that users can make these payments over the phone, on their webpage & with their phone apps, however their website & phone apps only allow users to directly link a bank account and draft payments straight from said linked bank account. 
This forces consumers to call in and provide their debit card information to a Customer Support Agent over the phone, with the CS Agent then processing the payment. 
They provide no option for users to make payments directly with a debit card unlike their advertised policies even though they clearly have the capabilities to do so. 

They also don't provide consumers access to their full, unobfuscated account numbers either on the website, phone app or even in account statements. 

This itself is a Federally Illegal & Fraudulent Business Practice. 
Combined with their Customer Support repeatedly refusing to acknowledge my requests for accommodations they have acted in an egregiously Discriminatory manner in violation of the ADA Title III Sections XXXX XXXX XXXX  For individuals with Disabilities who aren't always able to just pick up the phone and call in to make a payment, this often results in additional fees being charged to the consumers account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 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: TX

Complaint narrative:
I am in the process of purchasing and when my credit report was pulled there was collection found for XXXX XXXX, that does not belong to me. 

Upon the start of my employment with XXXX XXXX, an XXXX XXXX XXXX was installed with XXXX XXXX at my place of residence. I moved from that address on XX/XX/2021, services were disconnected as of XX/XX/2021 once the equipment was returned. I spoke with XXXX and found that the {$59.00} is an unpaid balance on the business account. I was provided the final bill to reflect the unpaid balance due from XXXX XXXX XXXX. Per my employer, the balance was paid following the disconnection at that address. I disputed the account with Equifax, providing the statement from XXXX, and received an update stating the account belonged to me and that it would remain on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 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: CA

Complaint narrative:
I am a victim of Human Trafficking and I mailed all my documentation to all three credit reporting agencies. Each agency has received my information. Ive attached proof below. Experian and XXXX has not blocked the information in 4 days per FCRA Title 15 U.S. Code 1681c3 - Adverse information in cases of trafficking.

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 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Pursuant to the Fair Credit Reporting Act, I have given this agency written instructions to cease the reporting of accounts stated in the attached dispute letter and they have denied my request which violates the FCRA. My financial information is nonpublic information and I have a right to privacy as well as to opt out of the reporting as required by law. Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a to report those accounts.

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 2023-10-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
In accordance to the Federal Fair Credit Reporting act, this creditor have violated my rights.

Under 15U.S.C1681 sec. 602 ( 4 ) states I have a right to privacy.

15U.S.C1681 sec 604 ( a ) sec 2 also states consumer reporting agency can not furnished account without my written instructions.

15U.S.C1666 ( b ).

A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered.

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 2023-10-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-10-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possibleXXXX 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 2023-10-05 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possibleXXXX 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 non-monetary relief
Consumer complaint received 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I submitted a complaint with these bureaus Equifax, XXXX, and XXXX to conduct disputes on my credit report for these following actions I'm about to thru attachments. It's been 90 days and I haven't heard anything back nor has there been any changes to my credit report. I just want these issues resolved so I can move on to further ventures with my credit. Please And Thank You.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-10-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: MoneyLion Inc.
State: WY

Complaint narrative:
Around XX/XX/2023 I requested to withdraw all funds from my investment account ( approximately {$1000.00} ) and MoneyLion refused to do so. They requested further information to verify my identity. I did exactly as asked and sent them all the info they requested but they promptly locked my account and kept the money inside the account. No matter who I talked to or asked, they would not tell me why they did this, or give me any information on they did with the money.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

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 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

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 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
EXPERIAN is violating my federally protected consumer rights. EXPERIAN is reporting 1 inaccurate late payment for the XXXX XXXXXXXX account ending in XXXX. This includes a 30 day late payment posted in XX/XX/2020. This is incorrect and is supposed to be reported as PAID AS AGREED. 
I have previously made a claim revoking any permission granted for them to publicly furnish this private information. They continue to publicize this information which violates 12 CFR 1016.7. EXPERIAN never provided me an opt out form, and they continue to furnish this information even after I have opted out by revoking my consent for them to post this information through previous disputes. Furnishing this information is now also a violation of 15 U.S.C 1681b ( a ) 2, since they are not acting In accordance with the written instructions of the consumer to whom it relates. Furthermore, the information being furnished directly relates to transactions and experiences made between the consumer and the person making the report. This is a direct violation of 15 U.S.C 1681 a ( d ) ( 2 ) ( A ) ( i ). EXPERIAN is posting adverse information on my consumer report that is harming my reputation. This adverse information is a direct violation of 15 U.S.C 1681c ( a ) - Particularly line 5 that directly states Any other adverse item of information. Clearly, according to 1681c ( a ) ( 5 ), they are not allowed to post this information. Finally, in reference to my past claims on this matter, EXPERIAN did not conduct an Investigative Consumer Report in accordance with 15 USC 1681a ( e ). It is clear that EXPERIAN has violated many of my federally prot
ected rights by furnishing this information on my consumer report. According to 15 U.S.C 1681n ( a ) ( 1 ), EXPERIAN is liable to compensate me {$1000.00} per violation, totalling several thousand dollars for this breach of my rights. I am offering a simple resolution before pursuing remedy through the court system. 
EXPERIAN must immediately CHANGE THE STATUS OF THIS ACCOUNT TO PAID AS AGREED

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 2023-10-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXXXXXX Balance : {$2800.00}

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 2023-10-05 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: EQUIFAX, INC.
State: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$15000.00XXXX XXXX XXXX XXXXXXXX Balance : {$2800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
I recently received an Amex digital gift card from my employer. I attempted to use this card at multiple online vendors ( XXXX, XXXX, XXXX, etc. ) and all transactions failed, citing an issue with the payment method. I read that sometimes this is due to holds placed on the card for more than the balance, so I tried purchasing small items far below the balance on the card ( {$200.00} balance, ~ {$10.00} items ) ; all of these transactions failed as well. Given that the card is for online use only and I can't use it at any online retailer- when the card advertises support anywhere Amex is accepted - I believe that this outcome is not acceptable. 

In my attempts to speak with customer service, I spent considerable time on the phone being transferred between departments. I ultimately ended up on part of an FAQ section, where I was abruptly told something to the effect of " thank you for calling, goodbye '' by the automated system before being disconnected. This was quite frustrating given the amount of time spent attempting to solve the problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-05 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: NV

Complaint narrative:
15 U.S. Code 1681e - Compliance procedures ( ACCURACY OF REPORT ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. produce all documentation everything associated with account Produce original contract and auction receipt payment insurance loan insurance 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