vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I went to a dealership to apply for a car they advised they would only run my credit for XXXX XXXX  but they ran my credit through numerous companies. these are the inquries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-21 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: WI

Complaint narrative:
I went to a dealership to apply for a car they advised they would only run my credit for XXXX XXXX but they ran my credit through numerous companies. these are the inquries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: IL

Complaint narrative:
I have been working for a XXXX XXXX since XX/XX/2009. I have been submitting information to XXXX XXXX, XXXX, and then to the XXXX  XXXX servicing ever since. I am not being credited with payments being made from roughly XXXX due to XXXX constantly putting me into deferment and forbearance status. Had they helped me learn my options especially since I already worked for a non-profit organization, I would have my loans forgiven now. My payments have always been {$0.00}. Those times that I could have been on the income based repayment plan would have benefited me and instead, I am not getting credited for those payments as they should have been. XXXX XXXX and XXXX knew what they were doing and this has been going on for so long. This is making my life difficult to say the least. I have contacted them several times about various things and they were quick to put me into deferment instead of giving me my options. This is ridiculous. They only did it that way to keep making money off of interest. I want those payments to count. I want total loan forgiveness since I have devoted my time to a job that barely pays over minimum wage in hopes that the loan providers and the government would fulfill their end of the bargain.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc

Complaint narrative:
Dear CFPB, It appears that PayPal has once again frozen our account requesting the very same information they requested the last time they froze our account. PayPal is requesting documents which are not possible to provide in XXXX. Now they have even prevented my account from receiving funds from my clients and important donors from all over the world including the U.S.. PayPal is requesting utility bills as proof of business location in a country ( XXXX XXXX that still receives their mail in po box es at the post office. There are no utility bills that are issued to a business location in this country. All utility bills are sent to the listed po box . As a result, it is not possible to provide a utility bill as proof of business location. I have instead provided our business registration document which was issued in XXXX from the government of XXXX. It has the business location as an approximate area. But because it was not issued within the last 12 months, PayPal is saying they can not accept it. This makes it impossible to provide PayPal with what they are requesting since the government can not re-register us as a new business when we were registered back in XXXX. I am re-opening this case because PayPal is conducting the very same unethical account limitations as the first time I raised this complaint with XXXX  and The Consumer Financial Protection Bureau. I am requesting that the XXXX  provide me with assistance again so that this case does not arise again. I am also requesting that PayPal stop limiting my account just because I have done business in excess of USD {$200000.00} and I happen to be from XXXX. What they are doing is highly discriminatory and unfair. We raise funds as a church to feed hungry people in XXXX. The limiting of our account and the delayed responses after requested information has been submitted is very unprofessional. Since this is happening for the second time, we at XXXX XXXX XXXX XXXX request your immediate assistance. 

Kind regards, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: TD BANK US HOLDING COMPANY
State: WA

Complaint narrative:
XXXX XXXX has repeatedly called me for the past 2 months ( XX/XX/2022 to date ) every Friday trying to collect on a credit card debt from several yrs ago. When I did talk to them they required me to tell them my mailing address, last 4 of my social or the full account # on the card. I informed them that I did not feel comfortable telling them my address but I did give them the last 4 of my social. The gentleman indicated that was not enough and required the full address. I again stated I was not comfortable with that. He stated that he couldn't go any further with my call. I stated I was sorry to hear this but again I wasn't comfortable provided that information on with the call. I also explained to him that I had lost my job 2 weeks ago and that even if we could proceed with the call, I had no money to give them for the debt. He stated that they wanted to work with me but again needed my address. I stated I got his letter in the mail so with that verification, could he move forward with just the last 4 of my social and that? He stated he could not.

I ended the call with apologizing to him and hung up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
received two un solicited inquiries through XXXX one from XXXX XXXX in XXXX XXXX ME nd one from Bank of America in XXXX XXXX TX on XX/XX/2022. Reported incident to XXXX nd fraud alert they issued a dispute notice and placed a fraud alert on my credit report. I did not see any unsolicited activity as of 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 2022-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
received two un solicited inquiries through XXXX one from TD Bank in XXXX XXXX ME nd one from XXXX XXXX XXXX in XXXX XXXX TX on XX/XX/2022. Reported incident to XXXX nd fraud alert they issued a dispute notice and placed a fraud alert on my credit report. I did not see any unsolicited activity as of XX/XX/XXXX,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
I experienced wire fraud ( in the form of a spoofed email appearing to be from my real estate attorney ) during the closing of our new home. A wire ( for approximately {$280000.00} ) was sent from our bank account at XXXX to Wells Fargo where it was flagged as potential fraud ( wire beneficiary name did not match the receiving account name ). Without confirmation or verification from me, both banks released the funds and WF then allowed those funds to be withdrawn. Investigations at both banks claimed that they were not at fault and each blamed each other for the wrongdoing. I feel that both banks have failed in their responsibilities, not only in protecting their clients assets but in following the law. XXXX claims to have investigated and found they weren't at fault. Wells Fargo claims that they can rely on XXXX Article XXXX to absolve them of their responsibility because it governs automated wires. Unfortunately because Wells Fargo flagged the potential fraud to XXXX, this wire was not fully automated and human intervention was required, negating their shield of the XXXX. 

I believe that Wells Fargo is culpable for opening a fraudulent account to receive these funds. So either they didn't follow bank protocols to regulate ( employing XXXX, XXXX and proper due diligence requirements ) or it was an inside job. I'd like a full investigation as to what happened. 

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 explanation
Consumer complaint received 2022-07-21 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: WI

Complaint narrative:
I went to a dealership to apply for a car they advised they would only run my credit for XXXX XXXX but they ran my credit through numerous companies. these are the inquries XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX, XXXX 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 2022-07-21 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
XX/XX/2002 From : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Texas XXXX XXXX Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of an unauthorized and fraudulent creditinquirywhich is being reported by XXXX, XXXX and/or XXXX on my credit report. My latest credit report shows an inquiry from your firm creditthat I did not authorize. I suspect fraud, and have reported this incident at XXXX, Consumer Financial Protection Bureau, and the XXXX XXXX XXXX 
Please havethese/thisunapprovedinquiries/inquiryremoved from my credit report within 30 days, as it is harming my ability to obtain new credit. Please contact me immediately if you require any additional information regarding my request. 
Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 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: Coinbase, Inc.
State: CA

Complaint narrative:
My card issuer Coinbase was notified that a chargeback was needed for the following purchase. Information ask and answered multiple times via email in the following : Merchant name : XXXX Date/time of transaction : Placed on XX/XX/2022 XXXX Transaction amount : {$410.00} Dispute amount ( must include original transaction amount ) : {$410.00} Was the physical card compromised? No Is the card still in your possession? Yes Was this a recurring payment? No Have you purchased from this merchant in the past? No Have you tried to contact the merchant to resolve? Yes What merchandise or service was ordered and when was it expected to be received? XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Order shipment has not been fulfilled and no response has been made to several contact attempts through Email and Phone. 

Multiple times, I have made contact with Coinbase and they have sent me repeating emails asking for the above information after an initial report filed on XX/XX/2022 and then told me after the several attempts that I would have to wait an additional 90-days after which no reverse has been posted and no responses to further inquiries have been responded to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-21 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
This is not sent in by error. I am a consumer by law and my information is being misused and now I have some false not 100 % accounts on my credit report. Unauthorized used of 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 non-monetary relief
Consumer complaint received 2022-07-21 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
This is not sent in by error. I am a consumer by law and my information is being misused and now I have some false not 100 % accounts on my credit report. Unauthorized used of 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 non-monetary relief
Consumer complaint received 2022-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I'm POA for a friend. I have access to her Chase Checking and Savings accounts ( i.e., I can see them when I log into my Chase bank account. ) However, I can not see her Credit Card Account or Mortgage Account. Can you help with this?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

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. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

XXXX XXXX, Account # XXXX, has violated my rights. 

XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

XXXX XXXX, Account # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX  XXXX, Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2022-07-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Source Receivables Management LLC
State: CO

Complaint narrative:
Source Receivables Management sent a debt collection letter for a debt that I've already settled. They told me that I could dispute it, and that it would be put into review. I have not received any further written information from them, even after I told them that the debt was settled in full and I have a settled-in-full-letter. They didn't provide an address to give the letter to, they just sent a negative report to credit agencies. Then they called me and attempted to collect again on the debt. When I first discussed this with them, they blamed XXXX XXXX XXXX for not reporting the debt settled, and XXXX XXXX XXXX blamed Source Receivables Management.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I have ordered a citibank mastercard and it has been more than 3 weeks and it has not arrived. However, the mobile app says I should have received my card about XX/XX/13. This is highly unusual, so I suspect it either got lost, or worse compromised. Or.. they never sent it. 

I decided I want to report it, and get a replacement. I attempted to contact the XXXX number they have on their website, as well as use the... ABSOLUTELY USELESS 'help ' they have on their website, and It seems like it's designed to purposely avoid helping anyone at all. Every selection have gatekeeping that require the card 's information in order to proceed in the menu. It's the most infuriating customer experience I've ever had. 

So now, *IF* something were to happen, I can't " lock '' my card in the app because it isn't activated and I can't get ahold of anyone because of their system to manually address this issue. How is this legal?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
XX/XX/2002 From : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Texas XXXX XXXX Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of an unauthorized and fraudulent creditinquirywhich is being reported by XXXX, XXXX and/or XXXX on my credit report. My latest credit report shows an inquiry from your firm creditthat I did not authorize. I suspect fraud, and have reported this incident at IdentityTheft.gov, Consumer Financial Protection Bureau, and the XXXX XXXX XXXX 
Please havethese/thisunapprovedinquiries/inquiryremoved from my credit report within 30 days, as it is harming my ability to obtain new credit. Please contact me immediately if you require any additional information regarding my request. 
Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Accounts XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I mailed a letter asking the credit agency to verify the accuracy of the accounts and they sent a credit report back after investigation with the same inaccurate information. 
The law states that if after any reinvestigation, under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the investigation. ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. This is willful disregard of the FCRA. 

A debt buyer is a company or individual who purchases account ( generally non-performing debts ) with the intent of collecting debts owed. A third-party collection agency is a company or individual who specialized in collecting outstanding debts for their businesses or individuals. XXXX XXXX reporting guidelines state : Accounts reported in error must be deleted. 

The Credit agency stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal, they violated my rights under : 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief