vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: TN

Complaint narrative:
On XXXX, XXXX XXXX  ( formerly XXXX XXXX  ) executed an action of withdrawal pertaining to an inactive account in the amount of {$130.00}. Per XXXX 's consumer specifications and guidelines, the bank can exercise its " ability to collect and procure any applicable fees from any other source of active NetSpend account, so long as the account itself is an active account and is under the sole ownership and usage of the person/persons whom 's XXXX XXXXNetSpend All access ' collection of fees for services rendered, pertain to. The card/account that XXXX XXXXNetSpend contend that the fees pertained to was, in effect, an inactive account ( 180 days ). The account, itself, had been, by confirmation of Netspend 's own operatives, officially charged off and supposedly in suspended status. There was no positive balance upon the card.The card had not been and was not being used to any extent. XXXX 's recovery department, then took it upon themselves to access a whole another account ( XXXX XXXX ), separate from any manner of connection to XXXX XXXX  in any way, by using the card as a portal in order to gain access to the other account. This was done by way of the card being listed with XXXX XXXX  as a funding source only for Savings. The card was listed as an external reference source only. The card had not even been utilized since its " initial listing. Again, the card, itself, was unusable as it had no positive balance upon it. XXXX 's recovery department essentially used the presence of the card 's connection to XXXX XXXX  as a " back door '' in order to gain access to the other account ; bypassing XXXX XXXX XXXX  proprietary security protocols. XXXX 's execution of the withdrawal itself was not authorized by XXXX XXXX, or myself in any way, or to any degree. The account at XXXX XXXX  is a separate account apart from the one connected with XXXX. And again, the account that XXXXXXXX XXXX  recovery team asserts that the withdrawal itself had pertained to was, in essence, a non functioning entity as it was a charged off account. As such, it is is overwhelmingly apparent that XXXX/NetSpend has perpetrated a highly unethical and predatory action.

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 2023-04-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: KY

Complaint narrative:
I was informed once I paid the amount owed that it would be taken off my credit reports and it was not.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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: TX

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report. I'm frustrated because you keep on ignoring my request! I need these items to be repaired ASAP. Thank you. 
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 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 2023-04-17 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: TX

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report. I'm frustrated because you keep on ignoring my request! I need these items to be repaired ASAP. Thank you. 
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 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 2023-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hello. 

The Florida Attorney General 's Office redirected me to you to resolve the conflict. PDF document on XXXX cloud XXXX XXXX XXXXXXXXXXXX XXXXsharing All my contacts have in this document. 

Best regards, XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-16 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: Hodosh, Lyon & Hammer, PC
State: RI

Complaint narrative:
XXXX XXXX Director of XXXX XXXX XXXX and XXXX XXXX STOLE my IDENTITIES, did CREDIT FRAUD, GRAND LARCENY, IRS TAX EVASION, PROPERTY THEFT of house on XXXX XXXX, XXXX RI XXXX, that I XXXX XXXX, am the Inheritor of, but she STOLE my father XXXX XXXX IDENTITIES, my son XXXX XXXX XXXX 's IDENTITIES, DID CREDIT FRAUD, sling with XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX employees STOLE my IDENTITIES, Hodosh, Lyon, Hammer Stole my IDENTITIES, did CREDIT FRAUD, GRAND LARCENY, so did FUGITIVE XXXX XXXX XXXX aka Fugitive name XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX or XXXX, XXXX XXXX XXXX and 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 2023-04-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
XX/XX/2019 I made the final payment on an account from Kohls that went to collections. This occurred moments after my father had been hospitalized and severe family changed and events. I would like to have it removed as it does not have an accurate representation of my true credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 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:
CFPB Write up In accordance with the Fair Credit Reporting act, XXXX Account # XXXXXXXX XXXX account # XXXX, and XXXX account 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 : Also states that 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 2023-04-16 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: PA

Complaint narrative:
The Credit bureaus 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 ground for removal, they also violated my right 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 als
o stated a Consumer Reporting Agency can not furnish a account without my written Instructions.

Also the Credit Bureaus took more than 30 days to complete my Investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 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: CA

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have a piece of information passed on that should be taken out or blocked. Per FCRA segment 605, Experian and XXXX Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from 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, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2023-04-17 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: AR

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$66000.00} ; XXXX XXXX XXXX Balance : {$9400.00} ; XXXX XXXX  XXXX Balance : {$14000.00} ; XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$9400.00} ; XXXX XXXX XXXX Balance : {$14000.00}.

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 2023-04-16 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: Eastern Account Systems of Connecticut, Inc.
State: MI

Complaint narrative:
According to the Fair credit reporting Section 609 ( a ) ( 1 ) ( A ). You are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( an original consumer contract with my signature on it ) you have on file of the account listed below Your failure to positively verify this account has hurt my ability to obtain credit Under the FCRA, unverified accounts must be removed, if you are unable to provide me a copy of verifiable proof, you must remove the account listed below 1 ) account name : eastern account system. 2 ) account # : XXXXXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 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: M&T BANK CORPORATION
State: PA

Complaint narrative:
On or about XX/XX/2015 I had financed a 2015 XXXX from XXXX XXXX through this bank. However afterwards problems of fraudulent activities was revealed and this particular vehicle was proven to be no good and XXXX XXXX settled. In the meantime the vehicle was repossessed. However when a recent credit report was done a {$20000.00} Loan showed up as default in which is way over 7 years old. M & T Bank was contacted and absolutely nothing has been done

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 2023-04-16 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: MI

Complaint narrative:
On XX/XX/2023 I sent disputes to all three major credit bureaus due to unauthorized or fraudulent inquiries on my credit reports. The bureaus did not remove the inquiries at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 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: MI

Complaint narrative:
On XX/XX/2023 I sent disputes to all three major credit bureaus due to unauthorized or fraudulent inquiries on my credit reports. The bureaus did not remove the inquiries at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-16 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
As of XX/XX/2022, I checked my credit profile and noticed a credit card account for Barclay. I immediately contacted XXXX XXXX and XXXX and the credit card company to notify them that this account was a fraudulent account that did not belong to me because I have never had any past business dealings or account with this company before. At this time the credit card company and XXXX XXXX, and XXXX are refusing to remove this fraudulent account from my credit file. They have also refused to provide me with any type of documentation proving that this account belongs to me. This situation has caused me a lot of stress because I should not be penalized or punished due to the fact that I am a victim of identity theft. 

The best course of action to resolve this issue is to have the fraudulent account removed from collections and removed from 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 2023-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Old address keeps reappearing on credit report for and address i haven't live at ufor years. I dispute this many times and they credit bureau says info is correct or accurate.

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 2023-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
Dear XXXX, I am filing a complaint against Chase regarding a credit card transaction return. This transaction is about XXXX hotel reservation made on XX/XX/XXXX. The total amount is {$600.00}. The duration was supposed to be XX/XX/XXXX to XX/XX/XXXX. Unfortunately, due to family member illness, I had to cancel the reservation. In XX/XX/XXXX, I already tried my best to communicate between hotel ( service provider ) and Chase Travel. The final conclusion on that day was : Chase will return ALL cash, minus one-night fee, back to my credit card account. After that, I have spent XXXXour months on this case, but I haven't got a clear clue what's going on within Chase. Please allow me to show you a timeline of the case. In XX/XX/XXXX, XXXX Chase Travel Agent told me to wait 1-2 billing cycles to see the return. In XX/XX/XXXX, another Chase Travel Agent told me the refund can't be all cash. The refund has to be point and cash because the original payment. However, she didn't see any point return or cash return. She wanted me to wait XXXX more week. At the end of XXXX, another Chase Travel Agent told me the point return already done back in XX/XX/XXXX and he wanted me to contact Chase Card Service. In XX/XX/XXXX, I tried contact Chase Travel and Chase Card Service, but I could only see push back and forth between Chase Travel and Chase Card Service. Both of them do not show the effort to resolve the issue. As an individual consumer, I have tried all I could and now I could only seek for CFPB 's help on this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I would like to have my old addresses and employers removed from my credit report. They are old and outdated and no longer apply to my credit.

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 2023-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I would like to have my old addresses and employers removed from my credit report. They are old and outdated and no longer apply to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Old addresses, inaccurate employment information. Must be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Old addresses, inaccurate employment information. Must be removed

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 2023-04-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: PA

Complaint narrative:
AES/PHEAA just increased the interest rate on a loan where they are the guarantor. Because I feel this was unjustly raised, I have to make a complaint so the Federal Government can make a determination on whether or not this was done in retaliation due to me instantiating complaints against the Agency on a regular basis for valid concerns. 

The Agency a ) does not respond timely to complaints b ) fails to respond accurately c ) retaliates against me for holding their agency accountable by either increasing interest rates or having their customer service staff argue or behave inappropriately during phone conversations The loan details of the interest rate adjustment are as follows : Owner : PHEAA Guarantor : XXXXAES/PHEAA School XXXX XXXX XXXX XXXX LOAN VARIABLE RATE XXXX 8 % Reason suspected for PHEAA raising the interest : Retaliation for borrower making complaints. Just because the interest rate is variable doesn't mean the Guarantor can raise it because they get annoyed with borrowers making complaints. If PHEAA claims they raised it due to other reasons, they are not telling the truth.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 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: KY

Complaint narrative:
According to USC 1681s-2 ( a ) 1 ( B ) A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer that specific information is inaccurate and ( ii ) the information is in fact inaccurate. 
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