vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-20 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account # : XXXX, has violated my rights 15 USC 1681 Section 602 A 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 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 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-20 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account # : XXXX, has violated my rights 15 USC 1681 Section 602 A 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 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 USC 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 explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ] [ all XXXX credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : THIS ACCOUNT IS UNER FRUAD NEED REMOVED ASAP. ALSO TRYING TO GET A HOME SOON.

I received a copy of my credit report and found the following item ( XXXX ) to be in error : Account Name : [ XXXX XXXX XXXX  Account Number : [ ] XXXX Reason : [ INFO NOT RIGHT THIS UNDER FRAUD NEED REMOVED PLEASE ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 10 days of receipt of this letter.

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 2022-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
To whom it XXXX concern, I recently opened a Checking and Savings account with Wells Fargo. I initiated the account opening online and was prompted to visit a branch. Upon visiting the branch and providing all requested official identification documents, I successfully opened my account. 

Shortly thereafter, I began receiving suspicious phone and mail communications from local branch employees and other alleged corporate entities questioning the validity of my legal address. 

I made a formal complaint within Wells Fargo which has not been responded to with any official notice as promised. After visiting several branches and providing adequate identification, I have continued to receive other suspicious and antagonistic communications threatening to close my account for Failure to Provide Adequate Documentation. 

Currently, due to circumstances beyond my control, I am homeless and seeking employment. I am reaching out to your offices for assistance as I have not been able to access XXXX funds from XXXX  to bathe, feed, or otherwise address essential functions of daily living. 

I feel victimized by my own financial institution and their openly divisive applications of government regulations. Attempting to resolve this has also led to greatly diminishing my professional reputation and is affecting my ability to seek and maintain gainful employment. 

Homelessness presents its own set of complications, however, I am disheartened and further burdened by being denied banking services at Wells Fargo merely because of being temporarily displaced, though, I have still managed to maintain a valid mailing address I have used without complications otherwise. 

I sincerely hope that youll be able to assist me in resolving this matter with Wells Fargo and set a firm precedent preventing this from happening to other citizens, immigrants, and migrant workers enduring similar circumstances who happily and gratefully toil in their efforts to support themselves and meaningfully contribute to this nation with or without any support from relatives and friends. 

Respectfully, 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 2022-12-20 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: NJ

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.
15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years. 

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
I am a XXXX XXXX XXXX and purchased a XXXX XXXX XXXX from XXXX XXXX in New Jersey. The car was {$13000.00}. I put down {$3000.00} and I was told that the payments would be about {$200.00}. After signing the paperwork I was told that the payment would be {$400.00}. I am on a fixed income and I fell as though I was taking advantage of. The bank that issued the loan was Santander

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I reached out to PayPal regarding getting scammed by a merchant who asked me to pay him {$14000.00} in exchange for XXXX cards via friends and family. I have conversations saved and his house was supposedly broken into and the product I ordered was stolen. He promised a refund which I have yet to receive. He provided PayPal fake tracking numbers further incriminating himself as well as proving that I purchased items that have not been received and because he demanded friends and family payment, Im left without a means to recover the money through their buyers protection. I was told by PayPal to open a dispute with my bank ( XXXX ) who I have also filed a complaint about and was assured they would work together to get my money back. XXXX is refusing to open the dispute because they lack the authority to reverse the charges and said I need to ask PayPal who hasnt been able to help. So Im going around in circles and Im still out over {$12000.00}, the only transactions that were able to be reversed were the ones made by credit card which were settled in my favor. Im left without any options and I need PayPal to investigate this and refund my money through a chargeback of the merchants account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 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: NJ

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 Accounts listed : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 A. section 602 states I have the right to privacy.

15 U.S.C 1681 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 reporting 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 consume reporting agency if the person knows of has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-20 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: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
I purchased a indoor security camera from Sams Club online and it was " defective '' ( did not work, would not connect to WiFi ). So I spoke with a rep and I returned the merchandise via XXXX XXXX as required, and they still have not credited my Sams Club credit card for the amount of {$100.00} as of todays date, XX/XX/2022. ( see attachments ) of chat with a Sams Club representative and other pertinent information regarding the purchase of the merchandise. I provided proof of delivery return ( see attachment ( XXXX ). I want the refund " Due me ''.

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 2022-12-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
Hello, On XXXX XX/XX/2022, PayPal has decided to close my PayPal account. My account has been closed due 'violation of PayPal 's Acceptable Use Policy ''. Until today, I have not received any explanation of what exactly is against their policy and also can't find anything that I possibly would have violated.

I have received an email which told me that my funds would be available after 180 days. However after I have checked my PayPal account, I mentioned PayPal took {$3.00} USD from my account with the description " Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation '' on XX/XX/2022, which PayPal is not authorized to. 

I have been cooperative with PayPal and not complaint about my account getting suspended. Even though I didn't agree with PayPal 's decision to close my account, I respected their decision. It's their platform & they decide who can use it. However, it's absolutely insane that they took ( stole ) {$3.00} USD without any explanation. They don't have any rights to do that and I want to have my money as soon as possible, withdrawn to my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 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: VA

Complaint narrative:
On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX  XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1500.00} ), XXXX XXXX  XXXX ( Date Opened : XX/XX/XXXX, Balance : {$4000.00} ), XXXX XXXX  XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$3600.00} ), XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, XXXX : {$3300.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 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: GA

Complaint narrative:
I have a credit card with XXXX XXXX XXXX Bank. I have disputed reporting of this account with Experian XXXX times in last 90 days. The account status shows neither opened nor closed, reports no history, no credit limit or balance. Reporting by XXXX and XXXX are correct. As a result, the credit score calculated and reported by explain is incorrect. Since it is one of my oldest accounts ( XXXX  ) and carries a low balance compared to high limit, my score is being negatively affected. The dispute results with experian are laughable. Nothing changed.

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 2022-12-20 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: TX

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

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

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Securus J Holdings, LLC
State: TX

Complaint narrative:
You recently sent me a letter and a check to reimburse me for fees that JPAY charged illegally for my preload JPAY card issued in 2012 by the State of Michigan XXXX. 
One question is " Why doesn't XXXX have to pay interest on this money? ", after all they had it illegally for 0ver 10 years. If this had been money that I obtained illegally from anyone, I would have had to pay all kinds of interest and penalties. 
Question # 2 is : I was never able to use the money on this card because they said I didn't have the proper PIN #. When I created the PIN # I wrote it on the card so I would have it, I know this is not advisable, but if I lost the card, I wouldn't be able to get the money anyway. 
My question is, " Can I still get this money back? '' I think I clicked NO when asked if I had contacted them about the problem, the fact is I did ( at least 3 times ). I called their phone number on the back of the card and was informed each time that without the proper PIN # there was nothing I could do. I had the proper PIN #, they just didn't seem to have it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 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: TX

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Local Management, LLC
State: GA

Complaint narrative:
I was notified by credit monitoring that Local Finance company of Georgia has made ( 2 ) hard pulls ( inquiries ) on my credit report without my permission in the past 30 days. From my understanding, this is unlawful and I will like for this to be brought to your attention because I did not consent to this action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 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: GFS II, LLC
State: DC

Complaint narrative:
My consumer report for XXXX  is reporting Fraudulently on the account for XXXX! The account is charge off and closed and not a installment. This account is paid in full gateway financial number : XXXX refused to remove this from my consumer report. 

Also how is my XXXX SCORE low and every other Agency is reporting accurate! 

I did not receive any updates on XXXX REPORTING after removal of delinquency is on my account under the FDCPA AND FCRA FINDING

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: DC

Complaint narrative:
AMENDED COMPLAINT : Just received vital information from my bank 's archives division proving this purported non-payment in XX/XX/XXXX. Please see attached. 

I've been receiving late fees from Infiniti Financial Services for well over a year without my knowledge. Since I financed this car on XX/XX/XXXX, my loan account has been set up with an automatic payment of {$590.00}. In recent months in XXXX, an XXXX agent recently informed me that I'm almost {$1500.00} in arrears since XX/XX/XXXX. When I pressed him for further information, he said that although they had been collecting monthly payments, they had been applying them to the prior month and charging late fees because my first payment had been rejected. I questioned why they didn't simply notify me of these difficulties back then via phone, email, or mail so I could confirm the payment as opposed to allowing fees to accumulate over a year. What dates did you, XXXX, send any late correspondence, I then asked? Who gave you, XXXX, permission to simply use my monthly payments for the prior month without notifying me? XXXX 's representative accused me of neglecting to check my online account more frequently. Why would I research something when I already know I'm making monthly payments through my bank? As it turns out, my bank account balance was more than sufficient to make the first payment and wasn't in default back then and still in current. Attached is all my XXXX statements that shows I paid the initial XXXX payment with ample enough money in account to cover the full amount, in opposition to what IFS is stating. With so many unfair, fraudulent late fees, my credit score has plummeted, and XXXX isn't doing anything to help me resolve the problem that they deliberately caused. Due to their lack of accountability and communication, my credit is severely damaged with the three ( 3 ) bureaus and now, I no longer want this vehicle. Please assist me!

Company response to consumer: Closed with explanation