vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Netspend Corporation
State: NC

Complaint narrative:
In XXXX of 2023, I had issues with my Skylight bank with fraudulent charges so I froze the account. When I tried to get a new card and gain access to my account again the bank would not allow me to say to prove my identity. I am XXXX  and currently experiencing XXXX  so I have been working with a case manager and a bank manager for counsel on this matter. I have tried calling Skylight Bank and was informed Netspend bought them, but my original account was through Skylight and I have not been sent any bank statements in the past few years. The last card number that I have for my account is XXXX. After multiple phone calls with the assistance of many people such as my case manager, the bank manager, and Services for the XXXX and XXXX of XXXX  there was no progress in accessing my account. I have over {$2000.00} saved in that account as my direct deposit from Social Security income had previously been deposited there. I even sent a letter to Net Spend with my previous card number, my current ID, my expired ID ( both copies signed and dated ), and information for transferring funds into my current account. The company sent my letter back and did not accept it as a form of identification. I then traveled to Florida in XXXX of 2023 to try to resolve the issue because that's where I originally opened my account but I had no luck there as well and was instructed to go to Texas. I do not think I should have had to travel out of state to access my funds. If needed I can provide documents that I have mailed through fax to process my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK
State: IN

Complaint narrative:
StartingXX/XX/2022 discover sent me a request for my tax returns all IDs and XXXX months worth of bank statements from every account that I had and they needed to be notarized. Not only did they send it to me in an email but they also sent it to me to me through the US Post Service. My card was not usable at this time until I would submit all of this information and if I didnt, the card was gon na be closed in 14 days. With that being said, discover, then enlisted, the assistance of XXXX were then inXX/XX/2022 on the XXXX as well XXXX started sending me harassing information that was due by XX/XX/2022, and they were doing this on behalf of discover financial services. At no point in time was I asking for an increase. At no point in time do I feel that discover had the right to enlist the assistance of XXXX and I feel that my personal credit information has been violated by discover when they went in and made this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
My email attached to PayPal is compromised. My account with PayPal has funds and is limited so I can not make any movement in that account. However, as I stated I have funds in that account and wanted to trasnfer them to another account with a email I can access. 

Because its limited they wont allow me chnage email or have alternative options to how I will receive updates regarding my funds in account. 

Submitted personal documents and had been verified. They will not allow it. 

They keep saying its because I could possibly be at high risk and the time Frame is exceedingly long when there will Be no disputes or chargebacks with my financial institution. Why? Because I used PayPal for the crypto. Buy/sell I made all activity into PayPal and out from PayPal on this account. 

I requested a early release due to my email being compromised and information stuck that I can not access anymore and had got turned down again! Its been over 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have an account on my credit report that is recording late payments. All 3 bureaus are reporting late payments in different months. I have never been late and the fact that they are all reporting in different months proves there is a problem. i know that they are supposed to report with 100 % accuracy and they are not. I have never been late on any of my accounts. This is really hurting my credit and it's not correct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RentDebt Automated Collections, LLC
State: CO

Complaint narrative:
This debt has been satisfied and it was indicated it would be removed from credit reporting. It is still being reported as a collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent. This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I have been a Bank of America customer 14 years. Inadvertently I underpaid the {$35.00} min pmt due XX/XX/24 by {$10.00} on XX/XX/24, card ending XXXX. The next statement I received for this card on XX/XX/24 stated a min pmt due of {$47.00} on XX/XX/24 including the {$10.00} underpayment. I received a XX/XX/24 letter stating my credit line on this card was reduced from {$8000.00} to {$2900.00}, evidently because I didn't pay the {$10.00} underpayment before XXXXThey also reduced my credit line on card ending XXXX from {$7500.00} to {$2100.00} on XX/XX/24. For that card I made a {$2400.00} on XX/XX/24 towards the {$44.00} min pmt due XX/XX/24 leaving a {$2000.00} bal due. To add insult to injury my XXXX cr score reduced from XXXX to XXXX and my XXXX cr score reduced from XXXX to XXXX on XX/XX/24 because of all the above. I have been grossly unfairly penalised by these abusive unreasonable actions taken by Bank of America. I ask you to help rectify these actions. I am XXXX  years of age and have never been so unfairly treated by a bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
15 U.S Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX XX/XX/XXXX SS : XXXX INPROPER USE OF MY CREDIT REPORT In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " 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 refurnish an account without my written instructions. '' Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Please update the following accounts as paid, never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Credit 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: M1 Holdings Inc.
State: CA

Complaint narrative:
On XX/XX/2024 I noticed 3 charges I did not make or approve. Called fruad right away to report it. The 3 charges were : XXXX XXXX for {$81.00} XXXX XXXX for XXXX XXXX XXXX for XXXX I had my physical card with me, all of these were online purchases through shop pay that I did not approve nor did I approve someone else to use my card

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 U.S 1681 section 602 A. States i have right to privacy.

15 U.S 1681 Section 604 A. section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: BAY COUNTRYCONSUMER FINANCE,INC.
State: MD

Complaint narrative:
I am paying XXXX for a XXXX loan

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 2024-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I disputes against fraud unauthorized transactions I sent there dispute department police report copies of a breach I was in the paperwork showing them what information was exposed which was accounts number password etc they they would credit me the money you and then take it right back from me like I've done that makes me feel like saying I'm guilty XX/XX/year> XXXX XXXX {$35.00} XX/XX/year> XXXX {$35.00} XX/XX/year> XXXX {$190.00} XX/XX/year> Non chase withdrawal {$120.00} XX/XX/year> XXXX {$140.00} XX/XX/year> {$390.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I was out a dinner with my wife, after dinner as we were walking back to our car. I noticed the passenger side window broken. Documents from my glove compartment was stolen. All of my personal information was taken, Bank records, tax records and pay information. I called and file a report with local police. They provided me with a incident report and and advised me to contact the credit agencies and monitor my credit. Over time I noticed a few items on my credit report I did not authorized. I have been contacting the credit agencies for help and for some reason they are not willing to help. I wan to file a formal complaint to resole this issue. The below listed accounts are not mine and I request that they gets removed. 

XXXX XXXX XXXX XXXX opened : XX/XX/XXXX -XXXX XXXX XXXX opened : XX/XX/XXXX -XXXX XXXX opened : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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: LA

Complaint narrative:
I was out a dinner with my wife, after dinner as we were walking back to our car. I noticed the passenger side window broken. Documents from my glove compartment was stolen. All of my personal information was taken, Bank records, tax records and pay information. I called and file a report with local police. They provided me with a incident report and and advised me to contact the credit agencies and monitor my credit. Over time I noticed a few items on my credit report I did not authorized. I have been contacting the credit agencies for help and for some reason they are not willing to help. I wan to file a formal complaint to resole this issue. The below listed accounts are not mine and I request that they gets removed. 

XXXX XXXX XXXX XXXX opened : XX/XX/XXXX -XXXX XXXX XXXX opened : XX/XX/XXXX -XXXX XXXX opened : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My purse was stolen in a nightclub in 2019, since the incident I have noticed someone attempting to access lines of credit in my name. I recently pulled a copy of my credit report and noticed accounts that I have not authorized, nor do I even have any affiliated with being reported on my credit report. I have contacted the Credit Bureaus to get this resolved also requesting method of verification without a formal response.

I have the right to privacy and I have not given any written consent for this information to be placed on my credit report. Doing so is in violation of 15 USC 1681B I thoroughly researched these accounts, and furnishing accounts to my profile in direct result of identity theft is in violation of 15 USC 1681 C-2 I noticed a slew of addresses being placed on my profile where I have never resided. I requested for the credit bureaus to remove the previous addresses to prevent any fraudulent information from being placed 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 2024-02-28 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: NC

Complaint narrative:
My purse was stolen in a nightclub in 2019,

since the incident I have noticed someone attempting to access lines of credit in my name. I recently pulled a copy of my credit report and noticed accounts that I have not authorized, nor do I even have any affiliated with being reported on my credit report. I have contacted the Credit Bureaus to get this resolved also requesting method of verification without a formal response. I have the right to privacy and I have not given any written consent for this information to be placed on my credit report. Doing so is in violation of 15 USC 1681B I thoroughly researched these accounts, and furnishing accounts to my profile in direct result of identity theft is in violation of 15 USC 1681 C-2 I noticed a slew of addresses being placed on my profile where I have never resided. I requested for the credit bureaus to remove the previous addresses to prevent any fraudulent information from being placed on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 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: PR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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: NC

Complaint narrative:
My purse was stolen in a nightclub in 2019, since the incident I have noticed someone attempting to access lines of credit in my name. I recently pulled a copy of my credit report and noticed accounts that I have not authorized, nor do I even have any affiliated with being reported on my credit report. I have contacted the Credit Bureaus to get this resolved also requesting method of verification without a formal response.

I have the right to privacy and I have not given any written consent for this information to be placed on my credit report. Doing so is in violation of 15 USC 1681B I thoroughly researched these accounts, and furnishing accounts to my profile in direct result of identity theft is in violation of 15 USC 1681 C-2 I noticed a slew of addresses being placed on my profile where I have never resided. I requested for the credit bureaus to remove the previous addresses to prevent any fraudulent information from being placed 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 2024-02-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I submitted disputes to the consumer reporting agencies asking them to investigate the accuracy of the information reporting. At this time Im still asking for that information. I would like any documents you have. in reference to the amount on the account etc.

Company response to consumer: Closed with explanation