vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-28 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: OH

Complaint narrative:
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. 

I have repeatedly requested in writing that XXXX remove Possible Finance from my credit report. Per 15 U.S.C. 1681e ( b ), consumer reporting agencies must " follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' However, the information on my credit report does not meet this standard as it is inaccurate and incomplete. 

Account # XXXX on XXXX Account # XXXX on Experian Additionally, according to 15 U.S.C. 1681i ( a ) ( 5 ), consumer reporting agencies are required to conduct a reasonable investigation when a consumer disputes the accuracy of information in their file. If the information can not be verified, it must be promptly deleted or corrected. Given that the items listed above have infringed upon my rights to privacy and confidentiality and fail to comply with the FCRA 's reasonable procedures

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 2024-08-28 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: MO

Complaint narrative:
I have never validated or correctly reported my credit history or the following information. Therefore, I will exercise my consumer rights by requesting that factually truthful, verifiable, and compliant data be obtained and placed on my credit report. I also require that any mistakes be permanently rectified immediately. I also need you to investigate the origins of each account and guarantee that each creditor has a legitimate basis for all queries on my credit record. 

Your agency is in violation!

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 2024-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc

Complaint narrative:
I am filing a complaint against PayPal regarding a permanent limitation placed on my account ( XXXX ). After receiving legitimate earnings from XXXX, an affiliate marketing platform, and making sales through my freelance business, I was notified that my PayPal account had been permanently limited. This limitation has left me unable to access my funds or conduct further business, which has caused significant financial hardship. 

I immediately contacted PayPal to resolve this issue, but I was informed that the decision to limit my account was final. Despite my repeated requests for clarification, PayPal has not provided any clear or detailed explanation for their decision. I believe this action was taken in error, as I have always adhered to PayPal 's terms of service and conducted my business legitimately. 

I am seeking the CFPB 's assistance in removing the permanent limitation on my account so that I can access my funds and continue using PayPal for my business. This issue has severely impacted my ability to earn a sustainable income, and I would greatly appreciate your help in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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: EQUIFAX, INC.
State: SC

Complaint narrative:
Account : XXXX  Account Number : XXXX I recently reviewed my credit report and noticed an account that was not reporting accurately. I have XXXX payments that are reporting inaccurately. The consumer reporting agencies need to report all information with accuracy. I have attached a copy of my report to this complaint on the following dates, XX/XX/2023, and XX/XX/2023. I would like for you to investigate this account and update these payments to paid on time immediately. Thanks for your understanding and prompt action. I can be reached at XXXX for additional information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Colony Brands, Inc.
State: WV

Complaint narrative:
Seventh Ave is account name Date opened XXXX Acct closed XX/XX/XXXX They have me marked down for two late payments, one XXXX of XXXX and one XX/XX/XXXX. I have been disputing these two late fees from day one. I file complaint after complaint. I call and call. I request documentation showing my credit contract w them and never receive. I want these taken off my account. There is NO DATA showing for most of my payment history but two months Im late. How can they show NO DATA for over 60 % of my credit history but then put me late for two months. Its obvious their record keeping isnt accurate or they would show the other months reporting which they do not show. I want this removed. Please inquires

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am formally disputing the inaccurate information reported by TransUnion and XXXX concerning one of my accounts, specifically the 'Date of Last Activity, ' 'Date Opened, ' and 'Date Last Reported, ' which are incorrect and do not reflect the actual history of this account. The 'Date of Last Activity ' is wrongly recorded, misrepresenting the timeline of my account, the 'Date Opened ' does not align with the original opening of the account, and the 'Date Last Reported " is not consistent with the most recent updates. These inaccuracies have caused significant misrepresentation of my credit profile, potentially affecting my creditworthiness. Given that these errors violate the Fair Credit Reporting Act ( FCRA ) by failing to ensure the accuracy and completeness of the information reported, I am requesting an immediate investigation, correction of these date fields, and complete removal of this account from my credit report, as it does not accurately reflect my credit history.

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 2024-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Since had this card for years with no annuals fees, and never paid one. But on XX/XX/year> the credit card charge a CAPITAL ONE MEMBER FEE of {$39.00}, without any advance notice of said fee nor an option to except or reject said fee. This is not an authorized fee nor any pre notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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: KS

Complaint narrative:
XXXX and Experian and XXXX are consumer reporting agencies and I'm the consumer. I have rights to make sure my private info isn't shared.15 USC 6801 to respect privacy of it cu customers and to protect the security and confidentiality to those customers. XXXX and according to the fair credit reporting act 15 USC 1681 section 602 a state there is a need to ensure that the customers reporting agencies exercise their responsibilities with fairness and respect for their customers and the right to privacy. The l furnisher of information to credit agencies the financial institution and the Consumer Reporter and agencies XXXX Experian and XXXX do not have my consent to furnish this information and they surely do not have my written consent. XXXX and experience are not maintaining responsibilities procedures also 12 CFR section 1016.7 states that a consumer may exercise the right to opt out at any time! I am opting out of your reporting services!

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 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
The deletion or suspension of accounts stemming from a data breach or unauthorized inquiries is governed by the FCRA Section 605B, which addresses the blocking of information resulting from fraud or data breaches [ 15 U.S.C. 1681c-2 ], as well as the FCRA Section 604, which outlines permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. 

I am writing to formally dispute the accounts referenced in my consumer credit report, which have arisen due to data breaches or fraud. I kindly request verifiable evidence containing my signature or electronic signature. This letter represents my personal request, and I urge careful consideration. These actions were undertaken without proper validation or original documentation from the reporting companies, constituting a violation of my consumer rights under the Fair Credit Reporting Act, specifically Section 605B [ 15 U.S.C. 1681c-2 ] and Section 604 [ 15 U.S.C. 1681b ]. 

Your agency is in violation! 
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 2024-08-28 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My Transunion Credit score was XXXX just 2 weeks ago. In 3 days my score dropped XXXX points for NO REASON! It first dropped XXXX points then a day later another XXXX points, BOTH times IMMEDIATEY AFTER getting off the phone with a Transunion rep. I have NOT had anything added or subtracted to my report to cause this. I have called them 3x and no one can tell me why it dropped and there was no " factors '' explaining the reason on my account. It went from XXXX to XXXX ( down XXXX points without reason or explanation ). All 3 of my reports are usually within 5 points or so of each other and my XXXX is XXXX right now and my XXXX is XXXX so for my Transunion to be almost XXXX points lower is clearly a mistake! My credit has NEVER been this low! The lowest it EVER was was XXXX and that was because XXXX XXXX was reporting me incorrectly, but they fixed their errors ( see previous complaint here ) and that caused my credit to go up around XXXX points. I truly feel that the RUDE employee I spoke with at Transunion PURPOSELY caused my score to drop because IMMEDIATELY after getting off the phone with them it went down, so I would like this investigated. Strange coincidence?!?! I feel as though I am being wrongly reported and I would like it fixed! 

I have XXXX and I need a XXXX XXXX XXXXXXXX in which my co-pay is {$46000.00}! In order to get this XXXX I need a loan. They will NOT give me a loan unless my score on ALL 3 bureaus is over XXXX. I worked SO HARD to fix errors to get it repaired and my score for Transunion to singlehandedly RUINING my chances to XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Again, there had been NOTHING new reported to my credit this month to make it go down do drastically. NO inquiries, no late payments, no new accounts, nothing! 

Please help me get this fixed! Thank you!

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 2024-08-28 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: Incomm Holdings Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, a friend of our family purchased two {$300.00} Vanilla gift cards from a XXXX XXXX XXXX XXXX XXXX He gifted those cards to my parents. They were able to activate one card online, and the other was giving them errors. I contacted Vanilla/Incomm customer service on XX/XX/XXXX to start the investigation into why the card was not working. I was told someone else had already contacted customer service to report this card missing, and they were having a new card sent to them. 
On XX/XX/XXXX, I sent Vanilla/Incomm every piece of information they had asked for, including the receipt for the purchase of the card. I waited several weeks and heard nothing from them. I called again on XX/XX/XXXX, and was told the investigation would now take up to 90 days. I received no communication from them at any time. 
I called again on XX/XX/XXXX, and I was told the investigation was closed and I was being denied because they could not recover the funds that had been spent, and therefore I was due no refund. I questioned how them not being able to retrieve funds caused me to be out my {$300.00}, and the representatives were not able to provide me with an answer. I also asked how is it that I was able to provide everything they asked for, and yet, I am not due a replacement for my card, while someone else who did not have the proof of purchase was able to call in and get a replacement sent to them? Again, no answer was able to be provided to me. 
I would like to know what the investigation actually looked at, and what was found. I was not asked for any further information to assist in the investigation. I followed every step I was given and I was not given any communication or help from Vanilla or Incomm. When I asked to reopen the investigation I was told I could only do so via an email to XXXX. I have sent emails on XX/XX/year>, XXXX XXXX XXXX XXXXXX/XX/XXXX. I also emailed XXXX  ( a contact I found online ) on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX I have received no replies. Calls to customer service only direct me to send another email and wait " a few more days. '' I would like my {$300.00} back from this company

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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: FL

Complaint narrative:
I requested back in XXXX for XXXX & Experian to remove inaccurate information from my credit report. The account in question is XXXX XXXX  account # XXXX truncated on my credit report is a reporting violation. XXXX XXXX Experian is reporting the last date of last activity inaccurately. XXXX is reporting the date of last activity as XX/XX/XXXX, whereas Experian is reporting the date of last activity as XX/XX/XXXX. These inconsistencies can constitute re-aging 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 2024-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This is a complaint against Chase Bank Saphire Reserve Card. There was a credit of approximately {$3200.00} and also {$12.00} credited to my account on XX/XX/XXXX 2024.that showed on my XX/XX/scrub> 2024 card statement. I was not sure why or where it came from, I assumed I made a mistake on submitting a payment so overpaid. I let it set for many weeks and finally I contacted them and asked them to refund the amount of {$3200.00} to me. They did send me a check for {$3100.00} which I deposited into my XXXX XXXX checking account. I later checked my account balance on line and saw that I now had a charge of {$3200.00} on my account. I called the card company and asked why that had all happened and they could not fully explain why. I asked them since they sent me the {$3100.00} and then did a reversal and charged me {$3200.00}. I asked if I were expected to pay interest on that amount and they said yes. I said you somehow made a mistake and credited my account, then you sent me the money, then you reversed that process and charged my account {$3200.00} and want to charge me interest on that amount. All due to something that I appeared to have nothing to do with, and it was your internal problem that created the entire issue. 
I believe this is fraud or a very deceptive practice from the company, crediting a client with money, refunding it to them and then reversing the process and charging them extremely high interest rates on the reversal. A process like this on the end of the credit card company could potentially cost the consumers thousands if not millions of dollars in unexpected and unasked for credit charges. Not to mention the hours I have to personally spend on phone calls and conversations to figure out what happened, how to correct it and to file this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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: LA

Complaint narrative:
My account with TRANSUNION was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments 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 to the consumer not later than 21 days before the payment due date.

TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer 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