vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-24 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: MA

Complaint narrative:
On XX/XX/XXXX, I contacted EXPERIAN regarding inaccuracies on my credit report. To this day, I have not received a response. 

The following account is not mine : COLLECTION ( Date Opened : XX/XX/XXXX, XXXX : {$1100.00} ). Please remove it from my credit report. 
The following account contains inaccurate information : XXXX  ( Date Opened : XX/XX/XXXX, XXXX : {$1600.00} ). I was never late on any payments for this account, and I request that you correct this information on my credit report. 
The following account contains inaccurate information : XXXX XXXX  XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ). I was never late on any payments for this account, and I request that you correct this information on my credit report.

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 2023-04-24 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: CA

Complaint narrative:
Someone stole my identity and opened credit cards with XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX NY XXXX. 

I notified XXXX XXXX  that neither did open an account with nor attempted to open account with them via phone calls and a letter I sent to the Bank XX/XX/2023. To date, XXXX XXXX  has not investigated nor deleted the fraudlent credit card that they reported as delinquent and charged off on my credit history. I am suffering huge hardship as my credit score is being significantly affected and resulting in my ability to secure employment that requires unblemished credit history. Furthermore, I am in the process of getting a pre-approval for a home loan and preventing the ability for me to get a home loan. This is putting me in distress and leading a productive life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 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: CA

Complaint narrative:
Someone stole my identity and opened credit cards with XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX. 

I notified XXXX XXXX  that neither did open an account with nor attempted to open account with them via phone calls and a letter I sent to the Bank XX/XX/2023. To date, XXXX XXXX  has not investigated nor deleted the fraudlent credit card that they reported as delinquent and charged off on my credit history. I am suffering huge hardship as my credit score is being significantly affected and resulting in my ability to secure employment that requires unblemished credit history. Furthermore, I am in the process of getting a pre-approval for a home loan and preventing the ability for me to get a home loan. This is putting me in distress and leading a productive life.

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 2023-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On XXXX, I deposited a check issued by XXXX XXXX XXXX at a Huntington ATM. The ATM misread the check amount as {$820.00} rather than {$620.00}. I caught the error in the first XXXX and entered the correct amount on the ATM, but missed the second XXXX, so the deposit read XXXX. On XX/XX/XXXX, 7 days later, I received a letter stating simply that 'Your account has been debited {$620.00} Please adjust your records accordingly. ' There was no further action taken. I called on XX/XX/12 and after being placed on hold several times and transferred once for over 50 minutes, the response was 'We 'll file a claim to see if it can be credited. You'll need to send us a copy of the check. It will take 3 to 5 business days for an answer. ' They had the check! They sent a copy TO ME. I called XXXX XXXX XXXX, and they did not receive it back and said the check should have been simply redeposited for the correct amount. 

Instead, 20 days after I deposited the check, I received a call saying that the check was non-negotiable and would not be re-deposited. The reason given was that the check was altered. I again explained that the check was not altered. It was for {$620.00}, which the copy they sent me clearly showed. The ATM simply read it incorrectly. The check was valid and negotiable when I deposited it. I asked how it had been altered, and the representative, XXXX XXXX at XXXX refused to tell me. I asked that they call the issuing bank to verify it, and was told no. I asked that they send me the check back, and I was told it had been destroyed. 

The copy they sent to me with their original letter did not appear to be altered in any way. Banks should not be allowed to mishandle funds in this way with no recourse. Consumers should not be responsible for bank errors and the charges and loss of income incurred as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 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: CA

Complaint narrative:
I am filing this complaint to Equifax I sent them communication letters regarding the errors and inaccurate information in my reports such as the date of last activity, date opened, date reported, payment status, charges or amounts and etc. It has already more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. Inaccurate and erroneous information is still reporting. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: PA

Complaint narrative:
The account where openned under my name, ss, and I found out that I had identity theft happen back in 2019, I had a state police contact me about my name being used for fraud. I was asked to come into the state police location and do a report of my own. Here are the three reports I have had to make regarding identity theft : XXXX XXXX XXXX I have tried to contact all the parties involved and none of the credit card companys have done anything to remove from my credit report. I have on my credit report a notice that I have identity theft done. I've had my bank even contact me during XXXX about about someone trying to access my banking information. 

The accounts I did not open are the following : XXXX XXXX  XXXX XXXX XXXX Discover Bank The police reports I have filed details the accounts that were from the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Re : CC # XXXX Purchases at XXXX XX/XX/XXXX for $ XXXX blocked by Barclays, also at XXXX XXXX 1 hour later. Contacting Barclays claimed under The US Patriot Act, failure to update my info, though every company I dealt with ( Barclays too ) were informed my new address in XXXX including Federal Govt and its relevant agencies. No other companies request updating my info since XXXX, except Barclays, which I refused. Barclays never will provide proof they requested updated info, prior to blocking purchases with the JetBlue Credit Card # XXXX. The account showed OPEN with Credit Reporting Agencies, when in fact, Barclays placed a BLOCK on my use of it, a lie. 
Barclays sent me credit cards/bills, were paid in full. However, my check # XXXX ( {$550.00} ) dated XX/XX/XXXX, mailed same date to Barclays XXXX XXXX XXXX, XXXX, PA.XXXX took 23 days for Barclays to process, they charged {$29.00} & interest late fees, which I refused payment and they cancelled charges. Barclays has dishonest, crooked employees. I have not moved since XXXX. When I do, all will be notified. Subsequent bills showed Barclays received/processed payment in 6 days from my Bank 's statement.

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 2023-04-24 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: KY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  account 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 section 2 : also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX  account 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 section 2 : also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX  account 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 section 2 : 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 2023-04-24 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: KY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  account 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 section 2 : also states a consumer reporting agency can not furnish a account without my written instructions.

In accordance with the Fair Credit Reporting act XXXXXXXX  account 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 section 2 : also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX  account 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 section 2 : 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 2023-04-24 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MD XXXX These addresses above are on my report and are not past addresses for me, 1 is my sisters and 2 are my parents which I never lived with. 

This name is included on my report and is not correct, 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 2023-04-24 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
State: NC

Complaint narrative:
Dear PayPal, I am writing to express my deep concern and disappointment with the recent decision to permanently limit my PayPal account. I believe that this limitation has been placed by mistake, and I have not violated any of PayPal 's policies. 

I have been a loyal PayPal user for many years and have always conducted myself in accordance with your policies and guidelines. I have never engaged in any fraudulent or illegal activities, and I have always been transparent and honest in my dealings with PayPal. 

I am therefore extremely surprised and dismayed that my account has been permanently limited. I firmly believe that this decision was made in error, and I would like to request that PayPal re-investigate my case and restore my account if possible. 

I would be more than happy to provide any additional information or documentation that may be required to support my case. I believe that my account has been unfairly targeted, and I am confident that a thorough investigation will reveal that there has been a mistake. 

Finally, I would like to confirm that the email address on my PayPal account is XXXX. I am eagerly awaiting your response and hope that we can resolve this matter as quickly as possible. 

Thank you for your time and attention. 

Sincerely, [ XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: GA

Complaint narrative:
My daughter had just sent me some money on Chime app and I was logged out of my account so I go on XXXX and look up technical support with Chime and apparently It was the wrong number they was acting like they were techno support So they asked me for a number out of my phone and they got into my phone and start controlling my account to get the password once we got to the password they put in their own password at that point I realized something was going wrong And then a email was sent on pay a friand or pay anyone Once I feel like some suspicious is going on I immediately hung up and they was continually calling me back while my money was yet still in the account I call the real Chime number to ask them how can I close my account and to let them know someone was in my account trying to hack it before the money even left my account After a while I realized a {$1100.00} was withdrawn out of my account and my password was change I changed my email to the account and password It was the only thing that I could do Chime said password was changed again I put in the claim and maybe a hour later the Claim Had denied The claim.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN

Complaint narrative:
I received my student loan refund checks on Friday, XX/XX/2023 in the mail. I went the same day inside the branch to deposit them into my account just to have my account frozen and locked. I was flagged by the fraud department and contacted them this morning on XX/XX/2023 and was told to go back into the branch to take the stubs from my checks, the deposit receipt I received and the envelopes them came in. I took them back as instructed, all the while being told that if the checks that I received couldnt be verified FROM THE UNITED STATES DEPARTMENT OF TREASURY mind you, my account would just be closed with no explanation. I have gone through this with Fifth Third before and the ridiculous overdrafts they charge me as well. I just want my funds released and the hold taken off so I can pay my bills and go on with life. They claim to be doing an investigation and I should hear from them in 24-48 for a decision. I feel that this is highly illegal honestly. Fifth Third Bank needs to be investigated and a class action lawsuit needs to filed against them honestly because this is pathetic. Especially when legally a check from the treasury is supposed to be available the next business day when deposited.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 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: CarMax, Inc.
State: GA

Complaint narrative:
Carmax financial reporting 60 days late on credit reports. XXXX XXXX, XXXX. Please fix this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 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: KY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX account XXXX  account XXXX XXXXXXXX, 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 section 2 : also states a consumer reporting agency can not furnish a account without my written instructions.

In accordance with the Fair Credit Reporting act XXXX account XXXX XXXX account XXXX XXXXXXXX, 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 section 2 : 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 2023-04-24 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: KY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX account XXXX account XXXX 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 section 2 : also states a consumer reporting agency can not furnish a account without my written instructions.

In accordance with the Fair Credit Reporting act XXXX account XXXX XXXX account XXXX XXXXXXXX, 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 section 2 : 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 2023-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LOBEL FINANCIAL CORPORATION
State: CO

Complaint narrative:
I had paid off the loan 2 years early to LOBEL FINANCIAL. My final payment of {$5000.00} cash wire to them and looking now at my credit score 3 to 4 years later it says I owe LONEL FINANCIAL money when I do not they have occurred nearly {$3000.00} of debt, When in fact I do not owe them a dollar I had pay them off and I have called them XXXX or XXXX times SENT EMAILS about this and they just hang up on me its very upsetting to see them hurt my score when I had paid a {$13000.00} loan off 3 years ago. Not to mention the car broke down it doesnt work the first year I bought it because of transmission problems they sold me a XXXX car and with A high loan RATE and then when paid off they accumulated close to {$3000.00} of debt. I HAD TO CALL 4 times for them to send my title a month Ofer not receiving it. Looks like EVERY employee there is very incompetent of doing a job

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: U.S. Auto Credit Corporation
State: AL

Complaint narrative:
The credit bureaus keep disrespecting the laws and so does this company. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on Someone needs to hold them accountable for this Furthermore I have been disputing this for over a year. It has been removed from my husbands credit report I want it removed from mine! 

They have sent me letters but not a contract WITH THEM SHOWING I OWE THEM THIS DEBT. I HAVE NO CONTRACT WITH THEM. Statute OF LIMITATIONS AS WELL. 
ALSO HOW IS THE ORIGINAL CHARGED OFF AMOUNT AROUND $ 7k and its now showing over $ 12k owed! 

15 USC 1692f UNFAIR PRACTICES

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: UT

Complaint narrative:
Someone stole my card and my pin and charged money, withdrew money and netspend is not wanting to help resolve my dispute

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