vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-26 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: NV

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX  XXXX XXXX XXXX {$1600.00} ; XXXX XXXX XXXX {$0.00} ; XXXXXXXX XXXX XXXX Balance {$2700.00} ; XXXX XXXX XXXX Balance {$29000.00} ; XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$780.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$37000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment XXXX you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness.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 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 XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-26 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: NV

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousnessXXXX 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 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 XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to bring to your attention the inaccurate information that has been reported on my credit report by Equifax. I had contacted Equifax on XX/XX/XXXX regarding the following incorrect information on my credit report. However, to this date, I have not received a response from them. 


The following account was never late XXXX  XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX : {$53.00} ). Please correct this inaccurate information on my credit report. 
The following account was never late XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX : {$76.00} ). Please correct this inaccurate information on my credit report. 
The following account was never late XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$1000.00} ). Please correct this inaccurate information on my credit report. 
The following account was never late XXXX XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$14.00} ). Please correct this inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America says they issued me my XXXX card which I never recieved I didnt even know the card existed due to XXXX locking me out of my account and just recently I finally got in contact with XXXX and they told me I had been paid out to call Bank of America so I did and there is no funds in the account I guess somone got ahold of my card and drained they acount it has been like 45 days already and still no funds they denied my claim at first but Ive sent all documents they requested in a timely manner Claim Number : XXXX I have another 2 claims open and 4were resolved in my favor but its been 45 days for thee others

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 2023-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: U.S. BANCORP
State: CA

Complaint narrative:
i mobile deposited a check XX/XX/XXXX XXXX the bank held it for 8 days as a precaution. after the 8 days the bank asked me to come in to verify my idenity.so i did the following monday.soon as i went in i was treated as i was a criminal.i had all documetion for my deposits and idenity it was at this time that they said they were closing my account. i feel i was racially profiled as a result to my ethnicity. i was embaressed as i was treated diffrently from other customers. i still havent got a check for my account balance. evrytime i call i get the run around from the bank. u.s 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 2023-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I am writing to report a fraudulent transaction on my PayPal account that was closed by PayPal as ineligible for Purchase Protection. On XX/XX/2022, I reported a charge of XXXX XXXX  to XXXX XXXX and requested a refund. However, PayPal closed the case without providing a refund or any explanation. 

As a consumer, I trusted a large multinational company like PayPal to protect me from fraudulent transactions. I never thought that something like this could happen to me. I made the payment to XXXX XXXX after seeing an advertisement on their website claiming to offer an easy and quick way to set up a corporation and rent it out. They even stated that PayPal payments were accepted, so I proceeded to make the payment without much suspicion. 

However, after receiving my payment, they demanded an additional payment of XXXX XXXX  before proceeding with the corporation setup. I made the payment again, but ever since then, I have not been able to contact them. They keep asking me to go through an authentication process, but even after completing it, they keep asking me to do it again. I have not been able to contact them since XXXX, and I feel extremely frustrated and hopeless. 

I strongly believe that this transaction is fraudulent and that I have been unfairly treated by PayPal. I have provided PayPal with all the necessary documentation and information to support my claim, but they have failed to take any action. I am urging you to investigate this matter thoroughly and take appropriate action to prevent fraudulent transactions like this from happening to other consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XX/XX/23. Over the past year or so, I've made multiple attempts to get in touch with Capital One to discuss this problem. They are unable to give a justification for rejecting my request for CLI access. My account card has been with me for more than six years. The most recent denial letter I received from Capital One omits a justification. Just a simple " not available upon request '' message. This is the typical justification for a protected card account ; nevertheless, the card in question is not secured and was graduated long ago. stuck with a {$500.00} limit even though other banks have given me limits of {$6000.00} and higher. When I call and inquire as to the cause, this is utterly absurd. I am unable to get any meaningful information from the representatives. This is not appropriate behavior for a financial institution ; all other banks provide justifications, such as a poor credit score, too many queries, a history of late payments, and Capital One has previously provided that justification for this account. They can no longer give a rationale and instead just say this after I have explained everything and waited. Additionally, my explanation is not included on the back of the letter, which states to look there for a denial reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: FL

Complaint narrative:
XXXX weeks ago I sent a dispute letter to XXXX and Experian disputing multiple hard inquires on my report, XXXX and Experian has failed to investigate these and sent me a letter back saying that they assume them to be accurate. I did not authorize any of the companies stated in my dispute letter to pull my credit information. XXXX and Experian need to address these false inquires as mandated BY LAW.

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 2023-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
My XXXX XXXX that was opened in XXXX  is not being reported to Equifax and hasn't been reporting for nearly 2 years which has caused damage to my credit score over the past 20 months. I have reached out to both XXXX and Equifax to remedy the matter but of to no avail. Their negligence is causing me to suffer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, I contacted TransUnion regarding inaccurate information on my credit report. However, to this date, they have not responded to my request. Therefore, I am submitting this request to the Consumer Financial Protection Bureau ( CFPB ) to request your assistance in correcting the following errors on my credit report : The following account was never late XXXX  XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$53.00} ). Please correct this inaccurate information on my credit report. 
The following account was never late XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX : {$76.00} ). Please correct this inaccurate information on my credit report. 
The following account was never late XXXX XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$1000.00} ). Please correct this inaccurate 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 non-monetary relief
Consumer complaint received 2023-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Velocity Portfolio Group
State: NC

Complaint narrative:
Received a harassing call from XXXX XXXX where the rep named XXXX placed his so called supervisor on the phone once I requested to negotiate payoff amount. They offered payment plans which I politely declined and offered my reasons and was willing to negotiate a payoff amount. XXXX named XXXX had such a disgusting attitude and began to try and belittle me about the debt, talking out the side of his neck, real unprofessional, very unpleasant. I remained calm and stood my ground, he then gave phone back to rep and I could hear XXXX talking in the background making harassing comments to others in the background. XXXX is a real XXXX of a person at 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 2023-04-26 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: NV

Complaint narrative:
I have on numerous occasions that reporting my bankruptcy is illegal and violates privacy acts. XXXX is at fault as well for allowing you EXPERIAN for using my personal business.

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 2023-04-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: AMERICAN HONDA FINANCE CORP
State: TX

Complaint narrative:
Date : XXXX XXXX 2023 Re : XXXX XXXX XXXX XXXX XXXX Re XXXX XXXX Complainant : XXXX XXXX XXXX 1 . Improper use of my ( Social Security XXXX XXXX ) 2. Pursuant to Fair Credit Reporting Act XXXXTitle 15 U.S.C. 1681 section 602 3. My privacy right 's is being violated. ( XXXX XXXX ) ( XXXX ) ( XXXX XXXX ) 4. Title 15 U.S.C. 1681 Section 604 ( a ), Section 2 Written Instructions Rule Violated. I did Instruct Negative Items To Be Reported 5. Title 15 U.S.C. Section 1666 ( b ) Open End Credit Cards, may not be reported late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: FL

Complaint narrative:
On XX/XX/XXXX, I contacted Experian about the following incorrect information on my credit report. To this date they have not responded. 

The following account was never late XXXX  XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX : {$53.00} ). Please correct this inaccurate information on my credit report. 
The following account was never late XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX : {$76.00} ). Please correct this inaccurate information on my credit report. 
The following account was never late XXXX XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$14.00} ). Please correct this inaccurate 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 2023-04-26 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: NV

Complaint narrative:
I have on numerous occasions that reporting my bankruptcy is illegal and violates privacy acts. XXXX is at fault as well for allowing you XXXX for using my personal business.

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 2023-04-26 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: NV

Complaint narrative:
I have on numerous occasions that reporting my bankruptcy is illegal and violates privacy acts. XXXX is at fault as well for allowing you XXXX for using my personal business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Terrill Outsourcing Group
State: NC

Complaint narrative:
Received a harassing call from Superlative RM where the rep named XXXX placed his so called supervisor on the phone once I requested to negotiate payoff amount. They offered payment plans which I politely declined and offered my reasons and was willing to negotiate a payoff amount. XXXX named XXXX had such a disgusting attitude and began to try and belittle me about the debt, talking out the side of his neck, real unprofessional, very unpleasant. I remained calm and stood my ground, he then gave phone back to rep and I could hear XXXX talking in the background making harassing comments to others in the background. XXXX is a real XXXX of a person at Superlative RM!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
Date : XXXX XXXX XXXX  Re : XXXX XXXX XXXX XXXX XXXX Re XXXX XXXX Complainant : XXXX XXXX XXXX XXXX XXXX Santander / XXXX XXXX  1 . Improper use of my ( Social Security Number XXXX ) 2. Pursuant to Fair Credit Reporting Act -Title 15 U.S.C. 1681 section 602 3. My privacy right 's is being violated. ( XXXX XXXX ) ( XXXX ) ( XXXX XXXX ) 4. Title 15 U.S.C. 1681 Section 604 ( a ), Section 2 Written Instructions Rule Violated. I did Instruct Negative Items To Be Reported 5. Title 15 U.S.C. Section 1666 ( b ) Open End Credit Cards, may not be reported late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Client Services, Inc.
State: MI

Complaint narrative:
XXXX store card belonged to my wife who passed away in XXXX and the card kept being charged. I tried to have the card stopped and report this but they ignored me. Not only did I lose a ton of money while still working during COVID but I was hit by a car while at work on XX/XX/XXXX and I am totally XXXX per XXXX. This should NOT be on my credit and I should not be responsible for this charge as many others that happened due to my wife 's account being stolen after her death  and illness.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Date : XXXX XXXX XXXX  Re : XXXX XXXX XXXX XXXX XXXX Re XXXX XXXX Complainant : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Credit Card Company 1 XXXX Improper use of my ( Social Security Number XXXX ) 2. Pursuant to Fair Credit Reporting Act XXXXTitle 15 U.S.C. 1681 section 602 3. My privacy right 's is being violated. ( XXXX XXXX ) ( XXXX ) ( XXXX XXXX ) 4. Title 15 U.S.C. 1681 Section 604 ( a ), Section 2 Written Instructions Rule Violated. I did Instruct Negative Items To Be Reported 5. Title 15 U.S.C. Section 1666 ( b ) Open End Credit Cards, may not be reported late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: NJ

Complaint narrative:
Hello My name Is XXXX XXXX the hard inquiry account on my. Transunion credit report in the name of : XXXX XXXX XXXX. need to be deleted. The account is incorrect and was first introduce to me as a Soft Inquiry not a Hard Inquiry. 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