vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-30 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: NY

Complaint narrative:
Upon reviewing of my records, I am upset on what is happening to my credit report and found out that there is questionable item. The listed account below is erroneous. I did not incur any late payments. Ive made every payment paid on time. You did not proofread the report and did not make sure it was 100 % correct. Here are the details : XXXX XXXX XXXX / {$0.00} / XX/XX/XXXX XXXX  / {$0.00} / XX/XX/XXXX XXXX XXXX/ {$16.00} / XX/XX/XXXX XXXX / {$0.00} / XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Upon reviewing of my records, I am upset on what is happening to my credit report and found out that there is questionable item. The listed account below is erroneous. I did not incur any late payments. Ive made every payment paid on time. You did not proofread the report and did not make sure it was 100 % correct. Here are the details : XXXX OF XXXX / {$0.00} / XX/XX/XXXXXXXX XXXX  / {$0.00} / XX/XX/XXXX XXXX XXXX/ {$16.00} / XX/XX/XXXX XXXX  / {$0.00} / XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 2022-06-30 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2022-06-30 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2022-06-30 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: AL

Complaint narrative:
Im having issues with XXXX XXXX keeps appearing on my credit report violating my rights. This account was opened fraudulently in my name and does not belong to me. 

Account XXXX XXXX {$1700.00} Open on XXXX, XXXX 2020 XXXX I want this fraudulent account removed from my report asap as it is violating my FCRA rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30 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: MA

Complaint narrative:
Hello, the Two XXXXXXXX XXXX XXXX  accounts that are reporting are fraudulent. Please remove them. I noticed that Experian said it was verified. But the Creditor never sent out any letters to me over 120 days or more. I have called them and never got a valid answer stating that the debt is valid. This is fraud! I feel threaten for my life! 

CONSUMER RIGHT LAWS In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-06-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Account number : Capital One Auto Finance I successfully reported my car loan paid in full to Capital One Auto Finance and to the IRS. XX/XX/2022 My account reflected a {$0.00} balance and my title was being processed back to me. My title was sent with a lien still attached to it. 

I paid {$15000.00}. Payment was accepted as well. A Few weeks later my balance returned but the monies I paid into the account were kept by Capital One Auto finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-06-30 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: MA

Complaint narrative:
Hello, the Two XXXXXXXX XXXX XXXXXXXX accounts that are reporting are fraudulent. Please remove them. I noticed that Experian said it was verified. But the Creditor never sent out any letters to me over 120 days or more. I have called them and never got a valid answer stating that the debt is valid. This is fraud! I feel threaten for my life! 

CONSUMER RIGHT LAWS In accordance with the Fair Credit Reporting Act XXXX the accounts listed on my attachments has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-06-30 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: TX

Complaint narrative:
I do not believe that this company did a reasonable investigation for the account of possible financial # XXXX I asked for documents barring my signature to prove that this account is supposedly mine. Transunion was not able to do so. In the last complaint I asked for a removal of this account and specifically asked for this account not be updated but deleted from my file and this company did not grant my request. 
I want to know if this company talked to someone at possible finance to verify this account What supporting documents did they use Did you even contact this company ( possible financial ) PLEASE PROVIDE ME WITH DOCUMENTATION THAT INCLUDED A SIGNATURE OF MINE ( failure to do so should result in deletion of this 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 non-monetary relief
Consumer complaint received 2022-06-30 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I can't seem to access my credit report even though I have tried several times. ( see attachments ). As a victim of the data breach a while back, I should be able to look at my credit report without having to go through so much hassle. Why doesn't equifax save my password? Why do I have to always enter another password? Why not use the same one? Why does it say credit report " Unavailable '' I can't seem to speak with anyone there as the hold time is ridiculous to say the least.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-06-30 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30 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: EQUIFAX, INC.
State: IN

Complaint narrative:
Upon reviewing of my records, I am upset on what is happening to my credit report and found out that there is questionable item. The listed account below is erroneous. I did not incur any late payments. Ive made every payment paid on time. You did not proofread the report and did not make sure it was 100 % correct. Here are the details : XXXXXXXX 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 2022-06-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I successfully paid a my credit card in full. I was issued temporary credit of {$1000.00}. 
My payment of XXXX was sent in XX/XX/2022. It was credited to my account but did not allow my funds to be accessible. The funds were posted XX/XX/2022 but never released to me. As I did this, the company conducted a random periodic review and decided my credit needed to be reduced from {$5100.00} to {$1000.00}. Causing my credit utilization to shoot pass an acceptable utilization rate on the credit bureaus. This has causes me irreparable damage due to the fact that I rely on my funds to survive. I do believe this was done maliciously with the intent to do harm to my person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The social Security number was deleted and so was the name spelling. 

They can not keep the account on my file as there is no social security number on my report that matches the current account in dispute.

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 2022-06-30 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: IN

Complaint narrative:
Upon reviewing of my records, I am upset on what is happening to my credit report and found out that there is questionable item. The listed account below is erroneous. I did not incur any late payments. Ive made every payment paid on time. You did not proofread the report and did not make sure it was 100 % correct. Here are the details : XXXXXXXX XXXX {$590.00} / XX/XX/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 explanation
Consumer complaint received 2022-06-30 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: IN

Complaint narrative:
Upon reviewing of my records, I am upset on what is happening to my credit report and found out that there is questionable item. The listed account below is erroneous. I did not incur any late payments. Ive made every payment paid on time. You did not proofread the report and did not make sure it was 100 % correct. Here are the details : XXXX XXXX {$590.00} / XX/XX/20XXXX 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 2022-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On XX/XX/2022, Bank of America placed a hold on my account, in the amount of {$880000.00}, in error. They were attempting to solve a problem that was already solved 30 days prior. The error caused many transactions to be declined, items were returned, and fees were incurred. 

Bank of America has refused to acknowledge their mistake, nor will they agree to reimburse me for the fees incurred, as a result of their error. This error has caused harm to reputation, I did not have access to operating capital for two days, and I was late processing my company payroll. 

Please see the attached documents with the full details, and proof of my claim.

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 2022-06-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Brown’s New Credit Bureau Inc.
State: MD

Complaint narrative:
I have no personal knowledge of Brown Collection service. I have no idea why this particular service is reporting on my consumer report without written authorization with myself. 
I've disputed many times yet the company to come back and verify the debt without ever actually speaking to me the person or sending me any written correspondence. This is causing my personal emotional distress and stress overall.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bliksum, LLC
State: VA

Complaint narrative:
I received loan from LOANME. XXXX in amount of {$2100.00} in XX/XX/XXXX. Made first biweekly payment of {$160.00} on XX/XX/XXXX. For last 7 months up until XX/XX/XXXX I've been making these bi weekly payments of {$160.00}, totaling over {$2500.00}? Which is way over principle amount of loan. When I go on website to access my account about pay history and payoff, I can not access my account? Customer service gives me the run around! Then they give me a pay off amount well over the actual principle amount of the actual {$2100.00} loan itself? After paying them over {$2500.00} for the last 7 months, my pay off way over {$2500.00}? How? And why is pay off more than the actual loan? Where did my payments go if they weren't applied to principle of the loan to help with pay off? I was told if I paid off loan early, then there would not be any pre pay penalties? I'm confused as to how I owe more than amount borrowed after 7 months of on time payments? This lender is a predatory loan lender and charging interest rates that aren't legal in the states that you reside in, in receiving these loans. Paying over XXXX  times the amount of money borrowed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
On XX/XX/XXXX I made a purchase of 5 pairs of high heels from a XXXX based company using Paypal for {$330.00} The company had a return policy of 30 days from date of receipt and they would provide a return label. See the policy here : XXXX XXXX XXXX On XX/XX/XXXX I received the heels and had a professionally trained ballerina try one shoe on and they were so defective she could not stand. The balls were not flat, the construction was not stable, the shoes were completely unuseable without significant risk of injury. 
In accordance with the return policy I emailed the company, they ignored me. 
I emailed again and was ignored. 
I emailed a third time and was ignored. 
I opened a case with Paypal. 
Paypal allowed the seller to violate its own published return policy and require that I pay between $ XXXX USD to ship the shoes back. 
I reviewed Paypal 's buyer protection program and its acceptable use policy. 
Paypal was allowing the seller to abuse their platform to force a dispute instead of honoring its published return policy so that it would not have to pay the return shipping. 
I explained this to Paypal and they said they refused to investigate the seller or file a complaint regarding the concerning abuse of the paypal money system to scam, mislead, falsely advertise and profit illegally from a US Customer. 
Paypal is required to abide by its user policies. Paypal is required to enforce its policies to prevent adverse impact on consumers. 
Paypal is facilitating illegal transactions by permitting XXXX sellers to violate its own terms of service and acceptable use policy. 
While I don't expect Paypal to resolve this matter, I do hope this complaint will spark an investigation into the potential illegal practices and complicity with illegal sales practices of its sellers. 
Paypal is profiting from my loss and profiting from the illegal use of its system by XXXX sellers and potentially other non us sellers that abuse its system to force exorbitant return shipping fees onto the shoulders of buyers. 
I purchased from this company after reading their return policy and feeling comfortable that I would not be responsible for return shipping to XXXX. Paypal is required to investigate sellers who abuse their system. 
Paypal also advertises buyer protection but clearly, Paypal is not following that policy either.

Company response to consumer: Closed with explanation