vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-19 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: NC

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Dear CFPB Team, I am writing to you in regards to the permanent limitation that was recently placed on my PayPal account XXXX. I believe that this limitation was placed on my account due to a mistake, and I would like to submit a complaint to appeal this decision. 

Firstly, I would like to state that I have not violated any PayPal policies. I have always used my PayPal account in a responsible manner and have never engaged in any fraudulent or illegal activities. Therefore, I strongly believe that the limitation placed on my account is unjustified. 

Secondly, I would like to request that PayPal re-investigates my case and reviews the information provided during the initial investigation. I believe that upon review, it will become clear that there has been a mistake in the decision to permanently limit my account. I am confident that upon further review, my account will be reinstated. 

Finally, I would like to express my sincere concern about the inconvenience caused by the limitation of my account. As a long-standing PayPal user, I have always found this platform to be reliable and user-friendly. I hope that PayPal will take into consideration the impact this decision has on my ability to conduct my financial affairs and will rectify the situation as soon as possible. 

Thank you for taking the time to consider my appeal. I look forward to hearing back from you soon. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I initiated a dispute on shipping charges on my XXXX XXXX  store card for a refrigerator I ordered and then cancelled, I received a credit for the price of the refrigerator but not for the shipping charges. The store representative I spoke with was not willing to remove the charges ; therefore a resorted to the card issuer institution, this being Comenity Capital Bank. 

I initiated a dispute for the amount of {$340.00} ( the shipping charges ) on XXXX of XXXX, in XXXX I received a letter advising that the dispute had been closed, I called the bank to get the reason why it had been closed. They were not able to give me a clear reasoning so I re-opened the dispute. I would call from time to time to find out the status of the dispute and they continue to tell me that it was in process, during this time they had been charging me late fees and interest fees, I brought it to their attention in XXXX of XXXX and they credited me for XXXX late fees. The process continued and I continued to call them to follow up, in XX/XX/XXXX, they finally told me that they could not do anything about it and that it would be best if I called XXXX XXXX directly ; so I did, I called them on the first days of XX/XX/XXXX and finally a floor manager by the name of XXXX was able to credit the store card with the {$340.00} for the shipping, she told me she would not be able to credit me for the late fees or interest charges. 

I called Comenity again to request credit for the charges on the shipping charges that were being disputed. I asked why the account or the charges had not been suspended to avoid late fees or other charges, they told me something to the effect that my card did not have that service, which I found arbitrary as the account continue to be charged on charges that were being disputed and the possibility existed of them being eventually removed, furthermore, my account was reported to the credit reporting agencies for late payments. 

Today I spent most of my day appealing to Comenity for a credit on charges that I feel where not justified as the charge that originated them was not right. I called seven times today because a got hang up on when I asked to be transferred to a supervisor or a manager, the last person I spoke with suggested I called XXXX XXXX for the credit since they were the ones that charge the shipping charges. 

In my opinion, the account should have been put on hold until a resolution was achieved, instead they continue to charge me until the account accumulated {$130.00} in interest and late fees. I will make a payment to the account to avoid the damaging reports to the credit reporting agencies but this bank should be monitored for this kind of unfair business practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-19 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX has violated my rights. Or list of inquiries 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 2023-04-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: MS

Complaint narrative:
I paid off my loan with Ally Financial and they still have my account listed as delinquent 90+ days instead of paid in full and they refuse to change the status. I have disputed this on my credit report numerous times and they are refusing to correct it.

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 2023-04-19 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: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
On XX/XX/XXXX I contacted care credit for a dispute they said the doctor was acting in good faith I showed a police report that was filed and the doctor and office cant contact me so theres a lie. I proved that the doctor changed the XXXX on my wife while she was XXXX  they claim services were rendered it doesnt matter what he did he performed XXXX and I should just be happy.

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 2023-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Blakely-Witt and Associates, Inc.
State: TX

Complaint narrative:
My identity has been stolen as well as my drivers license information as well as several other pieces of information by a person connected to a XXXX XXXX XXXX XXXX XXXX a XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  several others I do not owe the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 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 below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2023-04-19 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: IL

Complaint narrative:
Equifax did not remove false and misleading information regarding XXXX XXXX XXXX XXXX XXXX causing financial harm and increasing interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX has violated my rights. Or list of inquiries 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 explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: PA

Complaint narrative:
I, XXXX XXXX Natural Person, XXXX XXXX XXXX XXXX you are a debt Collector identified in the Fair Debt Collection Practices Act pursuant to Title 15 U.S.C 1692 a ( 6 ). It has come to my attention and understanding that XXXX XXXX has my rights pursuant to Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 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: MD

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Accounts Listed below, has violated my rights. 

Name of Account Account Number XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2023-04-19 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: NJ

Complaint narrative:
I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) against the credit bureaus for failing to properly investigate fraud on my credit report. I have been a victim of identity theft and tax fraud and have submitted multiple complaints to the credit bureaus to remove the fraudulent accounts from my credit report. However, to my disappointment, the credit bureaus have failed to remove these accounts from my report. 

The fraudulent accounts that remain on my credit report include XXXXXXXX XXXX XXXX, account number XXXX, opened on XX/XX/XXXX, XXXX XXXX XXXX, account number XXXX, opened on XX/XX/XXXX with a balance of {$14000.00}, and XXXX XXXX XXXX XXXX, account number XXXX, opened on XX/XX/XXXX, with a balance of {$530.00}. In addition, there is another fraudulent account that has not been removed from my credit report. The account is with XXXX XXXX, account number XXXX, opened on XX/XX/XXXX, with a balance of {$1500.00}. 

I have repeatedly requested the credit bureaus to remove these accounts, but they have not taken any action, causing significant harm to my credit standing and financial well-being. 

I am seeking the assistance of the CFPB to resolve this issue and request that the credit bureaus take immediate action to remove these fraudulent accounts from my credit report. Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXX XXXX Balance : {$11000.00}, XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Balance : {$5900.00}, XXXX XXXX XXXX Balance : {$11000.00} & XXXX XXXX XXXX Balance : {$15000.00}.

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 monetary relief
Consumer complaint received 2023-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Continental Finance Company, LLC
State: MD

Complaint narrative:
I had filed for hardship with Continental Finance and they sent me a letter that my payments would decrease after XX/XX/2023, however, it has not decreased at all. They are not conducting the due diligence stated in their letter that my payments for the XXXX card will be approximately {$29.00} and the XXXX card will be {$25.00} [ see attached ]. They never allow me to see the contract or the hardship program that I suppose to sign which their was no signature they are conducting fraud and deceptive practice. Ask them to provide you my signature now because I filed with CFPB they want me to pay regular payments ; Continental Finance is trying to charge me the same amount for the XXXX card {$42.00} and a XXXX card {$37.00}. 

They are being dishonest. I will be paid as stated in the letter that was sent. 
Contintial Fianance never provided me a copy of their hardship contract and their is no contract.

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 2023-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PENTAGON FEDERAL CREDIT UNION
State: AL

Complaint narrative:
I have a credit card account with PenFed Credit Union. Account ending in XXXX. On XX/XX/2023 I received a monthly statement with a statement balance of {$10000.00}. Because this balance exceeded the credit limit on the account, PenFed deactivated the card so no further charges could be made. On XX/XX/2023 I made an online payment from my personal checking account with XXXX XXXX for {$10000.00} to this PenFed credit card account. PenFed records show that this payment was received and credited to my account, my credit limit was increased, and the card was reactivated and used to make purchases. XXXXXXXX XXXX records show that this payment was withdrawn from my account and the transaction posted. On or around XX/XX/XXXX, my card stopped working. On XX/XX/2023 I spoke with PenFed Member Services who confirmed the payment was processed and received by PenFed from XXXX XXXX. I was further informed that because the payment amount exceeded my total credit limit, their policy was to hold the payment funds for 7 days before releasing them and applying them to the credit card account. I was told my card would remaining deactivated until XX/XX/2023, at which time the funds would be released and payment applied. When I asked if PenFed had received the funds from XXXX, she said yes. She repeated that they were holding the funds and would not apply them to my credit card account until XX/XX/2023. At that point I became concerned that PenFed was holding my funds for such a long period and asked for a supervisor. I was told a supervisor would contact me, but no supervisor has returned my call. I called XXXX XXXX, who confirmed that the payment transaction for {$10000.00} had posted to my account, the funds had been withdrawn, and were sent to PenFed. At this point my credit card remains inactive, PenFed has confirmed it is holding my funds, and will not release them for application to my credit card account. It does not seem appropriate for PenFed to receive and accept a credit card payment on my account, then reactivate my card for use, then deactivate the card and hold my payment for 7 days.

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 2023-04-19 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:
n accordance with the Fair Credit Reporting act XXXX Accounts Listed below, has violated my rights. 

Name of Account Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-04-19 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: MD

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Accounts Listed below, has violated my rights. 

Name of Account Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
The company ( Chase ) sent me a letter stating that they will close my account, and didn't provide a reason. The letter looked unusual and suspicious, and listed a phone number to call for more information, that I did not recognize. Due to the suspicious nature of the letter, I called the number on the back of my card to verify, and the Chase representative assured me that my account will not be closed ( XX/XX/XXXX ) and that the letter must have been either a scam or was sent by mistake. Today ( XX/XX/XXXX ), I have learned that the account has been closed, and the Chase representative can not tell me why.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 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: IL

Complaint narrative:
XXXX did not remove false and misleading information regarding XXXX XXXX XXXX XXXX XXXX causing financial harm and increasing interest rates.

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