vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Ive called the credit bureaus and explained to them my student loans are not late they are in deferment. Over the past 2 years since the pandemic the loans are showing missed payments when in fact they are deferred. Also, the loans were recently sold to another service provider in which they are still in deferment and the new provider is showing I have 4 missed payments. The credit bureaus are saying its showing on time, however, when I apply for credit it shows they are late and are missed payments. This is causing my score to remain stagnant and costing me more money when financing things.

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 2023-01-06 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 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: REGIONS FINANCIAL CORPORATION
State: MD

Complaint narrative:
I opened a XXXX XXXX in XX/XX/2022. I used the account once to purchase approximately {$50.00} in fuel and it was closed by the lender for potential suspicious activity. I paid the amount I had charged immediately. 

In XX/XX/2022 I received an email that my monthly membership fee of {$10.00} was due. I emailed customer service and they indicated that it was a mistake, the account was closed, and I owed no balance and no monthly membership fee. 

In XX/XX/2022, they reported a {$10.00} balance as delinquent, Up to 30 day beyond terms on my XXXX XXXX credit report. My credit score dropped from 85 to 16 because of the incorrect reporting. I was also denied a business credit card with another lender because of the erroneous delinquent reported account.

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 monetary relief
Consumer complaint received 2023-01-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I had this card for at least XXXX XXXX  I ALWAYS paid on time never had any issues. I made a payment to pay off my balance then I made another purchase, while the first payment was being process I went ahead and made a payment for my new purchase. 
All of the sudden I received a notification from my credit report XXXX that my account has been closed. I don't see what is the reasoning behind this if I've always used this card and made payments on time.

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 2023-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: IN

Complaint narrative:
Customer contacted Ally Bank around XX/XX/XXXX to dispute late charges to auto loan. Customer has court documentation that states " husband shall be awarded vehicle subject to the indebtedness thereon and shall hold Wife harmless therefrom ''. Husband did not refinance vehicle to remove customer from the auto loan. He also did not make the required auto loan payment in XXXX ; therefore customer 's credit score dropped XXXX points and can no longer receive any type of loan.

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 2023-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
There are fraudulent accounts listed on my consumer report I have tried resolving and disputing it with the creditors. 

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 2023-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
There are fraudulent accounts listed on my consumer report I have tried resolving and disputing it with the creditors. 

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 2023-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I the consumer did not consent to, benefit from, or authorize the Capital One Auto Finance Account. Capital One Auto Finance is in breach of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I stayed at a hotel on XXXX to XXXX. There was 2 holds placed on my account for {$99.00} each. On XXXX Amex Serve went and processed a separate transaction for the total of the bill and charged me {$170.00} on too of the funds on hold. This overdrafts my account and I had to use the money in a subaccount to bring my account to current. My cardholder agreement states that when a transaction is completed that any funds on hold will be made available. They won't acknowledge 1 of the holds and won't return the hold of {$99.00} for 30 days. I need that money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-06 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:
In accordance with the credit reporting act, the lists of accounts below have violated my federally protected consumer privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : account # XXXX, XXXX  XXXX : acct # XXXX, XXXX XXXX : acct # XXXX, XXXX XXXX : Acct # XXXX, XXXX XXXX XXXX : acct # XXXX, XXXX XXXXXXXX XXXX : acct # XXXX XXXX XXXX : acct # XXXX, XXXX XXXX : Acct # XXXX, XXXX XXXX XXXX  : acct # XXXX, XXXX XXXX : acct # XXXX XXXX XXXX : acct # XXXX 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.

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 more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a 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 2023-01-06 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: NY

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 1681XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 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 2023-01-06 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: NY

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 XXXX # XXXX, XXXX XXXX # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 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 2023-01-06 00:00:00
Product: Credit reporting, credit repair services, 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
EXPERIAN lowered my score XXXX XXXX  illegally for not accepting their add on services that they are XXXX using an old debit trying to process payment that they are unsuccessfully doing, and when I called to them to stop they removed it from my account and decided to be deceptive and abusive by lowering my credit score by XXXX XXXX and when I disconnected XXXX XXXX they also lowered my score by XXXX all in a matter of XXXX XXXX  This is illegal and someone needs to investigate this company for this abusive behavior on 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 explanation
Consumer complaint received 2023-01-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights under 16 USC1681section 6 XXXX  2 states i have the right to privacy 15 USC 1681section 604 a section 2it also states that consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666B a creditor may not treat a payment on a credit card account an open-end consumer credit plan as late for any purpose. Bank of America XXXX XXXX XXXX  Bank of America 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 explanation
Consumer complaint received 2023-01-06 00:00:00
Product: Credit reporting, credit repair services, 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I need my Experian XXXX XXXX corrected. All other credit bureau show XXXX XXXX, while Experian is showing XXXX  -This is stopping me from getting a loan for my business. 

I spoke to Experian and they said they can't do anything.

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 2023-01-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
During end of XX/XX/XXXX my acct was closed because they have not received XXXX XXXX form which I didn't know about because I moved to another state. So I did at the branch on XXXX XXXX XXXX in XXXX on XX/XX/XXXX I met with XXXX to sign everything and he confirmed it was uploaded into the XXXX I called customer service that same day to know when I should have my acct open again and she said it had to be reviewed and should take up to 5-7 business days. I kept checking my acct online and it was still closed. I called XX/XX/XXXX to follow up and they told me to give it more time and check back, I then called on XX/XX/XXXX one of the supervisors who was looking at my acct just disconnected the line and no call back! It has been so frustrating! And yet when I called back AGAIN still they said they haven't heard back yet so I need to check back later. Finally I setup to meet with XXXX at the same branch to see what's going on and he assured me it was uploaded and he filed a formal complaint for me because he knew I was very upset with their customer service not getting anywhere. The escalation agent reaches out to me her name is XXXX  and this was on XX/XX/XXXX and I told her I want a refund of {$99.00} annual fee because I didn't even get to fulfill my term or still have the option to reopen my acct and still be able to receive the sign up bonus. She gets back to me few days later and told me they don't see my signed form in the XXXX  and that I have to reach out to compliance on what to do the next. Now XX/XX/XXXX I call compliance and they told me to just apply again for a new account and to call customer service for the refund for the annual fee. I call customer service to help reverse the fee and she said they could not. I ask to speak with a XXXX  and it's a 40 min wait! Why does this have to drag over a month and still I'm not getting anywhere! The customer service I've been receiving is horrible! Such a frustrating experience I've ever dealt with and I've been with chase for over 9 years! Not only that when they closed my account it affected me credit score!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: KS

Complaint narrative:
On XX/XX/XXXX, I found a small charge on my Chime account using my debit card for {$0.00} at XXXX that was debited on or about XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX XXXX  I started the dispute on the mobile app and Chime called me for more information on the dispute. I initially spoke with XXXX XXXX XXXX who refused to initiate the dispute unless I provide proof that I did not authorize the charge. I demanded to speak with a supervisor and was transferred to with XXXX XXXX XXXX ( alleged supervisor ). I gave the supervisor the same information. This is in violation of federal law. 

When I informed XXXX that I was filing this complaint, they initiated the dispute. They still demanded proof that I did not initiate or authorize this charge. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
EQUIFAX is reporting transactions and experiences on my consumer report which include late payments, Past due amount, Original balance, Monthly payment, Terms, balance, credit limit and monthly payment from the following company : XXXX XXXX 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681a ( 2 ) ( a ) ( i ) transactions or experiences are not to be reported on a consumer report and pursuant to 15 U.S. Code 1666b a payment on a credit card account under an open end consumer credit plan is not to be treated as late for any purpose. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household purposes. This company and their inaccurate reporting have damaged my livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
On XX/XX/XXXX, I made a small deposit ( {$39.00} ) to XXXX XXXX sportsbook using my PayPal account. The purpose of this deposit was to enable PayPal as a withdrawal option for the money I had in my XXXX XXXX sportsbook account. Throughout the course of events, I continued to receive deposit errors for subsequent and larger deposits which lead me to have the attached customer support conversation with XXXX XXXX sportsbook. Per the customer service agent, the only way I could deposit using PayPal would be to add a card to my PayPal account. The other deposit method available to me in the XXXX XXXX app was to add my card directly in their app rather than PayPal. 

From XX/XX/XXXX through XX/XX/XXXX, there were {$34000.00} in withdrawals from XXXX XXXX deposited to my PayPal account. There were times when I then attempted to redeposit to XXXX XXXX using PayPal - and again I received the same deposit errors. So I just retried those deposits using the other method - from my debit card directly in the app. 

On XX/XX/XXXX, in an effort to not lose any more of my winnings, I requested a XXXX month self exclusion from XXXX XXXX sportsbook. I received confirmation of the exclusion on Monday XX/XX/XXXX. This means that I can no longer log in or use this vendor. I then checked the transactions section on my PayPal account and saw that there were a bunch of transactions going back to XXXX XXXX. I immediately contacted PayPal and disputed those transactions since the self exclusion was already in effect. PayPal denied my request within less than a couple hours and sent an automated response. I have appealed this decision multiple times and provided documentation, and PayPal denies the dispute each time.

This has been a gut wrenching experience and Im surely not the only customer who has had to deal with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights under 16 USC1681section XXXX XXXX XXXX states i have the right to privacy 15 USC 1681section 604 a section 2it also states that consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666B a creditor may not treat a payment on a credit card account an open-end consumer credit plan as late for any purpose. Bank of America XXXX XXXX XXXX Bank of America 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 explanation
Consumer complaint received 2023-01-06 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 XXXX XXXX account # 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.

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 2023-01-06 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting XXXX XXXX account # 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.

Company response to consumer: Closed with explanation