vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-15 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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX GA XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX I was just looking over my credit report and found some inaccuracies that I am demanding you correct. 

According to the Fair Credit Reporting Act, you are required by federal law to ensure that all details being reported on an account must be 100 % accurate and verifiable. If you are unable to fix these inaccuracies for any accounts listed, then per FCRA requirements please remove the inaccurate account entirely from my credit report. 

Here are the inaccuracies I have identified Account Name : XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX Reason : Unverified account Thank you,

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 2022-10-15 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: IA

Complaint narrative:
I will continue to report this until Equifax does something about it. You can not have a creditor report inaccurate information on someone's account. I gave you proof, and you ignored me. This is the XXXX time reporting the same XXXX account with inaccurate information. The date of delinquency was early XXXX, making the account over 7 years delinquent and, by law, needs to be deleted from my report. XXXX has ruled in my favor that XXXX was reporting inaccurate information and removed the account from my report. Equifax and XXXX have refused to do anything about it. There are so many differences between what Equifax and XXXX are reporting. According to Equifax, XXXX and XXXX, they are 100 % reporting everything correctly even after providing proof for years that they are not. Payment history is different on at least 14 months. The date of the last payment is different. The date account was closed is different. Please delete the account from my credit report immediately!! See attached files. XX/XX/XXXX Equifax 90 days late XXXX 120 days late XX/XX/XXXX Equifax 120 days late XXXX 90 days late XX/XX/XXXX Equifax 120 days late XXXX 90 days late XX/XX/XXXX Equifax 90 days late XXXX 60 days late XX/XX/XXXX Equifax 60 days late XXXX 30 days late XX/XX/XXXX Equifax 90 days late XXXX 60 days late XX/XX/XXXX Equifax 60 days late XXXX 90 days late XX/XX/XXXX Equifax 90 days late XXXX 60 days late XX/XX/XXXX Equifax 90 days late XXXX 60 days late XX/XX/XXXX Equifax on time XXXX 30 days late XX/XX/XXXX Equifax on time XXXX 30 days late XX/XX/XXXX Equifax on time XXXX 30 days late XX/XX/XXXX Equifax 60 days late XXXX 120 days late XX/XX/XXXX Equifax on time XXXX 30 days late Date of last payment. Equifax XX/XX/XXXX XXXX XXXX XXXX Date Account closed. Equifax XX/XX/XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: NY

Complaint narrative:
On XXXX XXXX I received an email from Chime that my account would be closed. They provided no reason and the email said that after a review of your spending account your account will be closed on XXXX XXXX. I was not able withdraw money from my account as it was closed on the same day that I was notified. The balance that was left in my account was around {$100.00}. I was unable to resolve the issue as they continued to respond by saying that bancorp monitors activity and my account was marked for closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 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: Colony Brands, Inc.
State: WI

Complaint narrative:
according to the XXXX15usc1681 section, 602h is hurting my credit file please remove the following items tomorrow and main # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/2022, I disputed an account reported by XXXX XXXX XXXX in the file you maintain under my Social Security number for the. first time. I was informed on XX/XX/2022 that the item was deleted from my credit report. Now I have discovered that the item has been inserted on my credit report on XX/XX/2022 for the second time after it was removed yet again on XX/XX/2022. Then it was removed on XX/XX/XXXX and was recently inserted back on XXXX XXXX. 

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law.

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 2022-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/2022, I disputed an account reported by XXXX XXXX XXXX in the file you maintain under my Social Security number for the. first time. I was informed on XX/XX/2022 that the item was deleted from my credit report. Now I have discovered that the item has been inserted on my credit report on XX/XX/2022 for the second time after it was removed yet again on XX/XX/2022. Then it was removed on XX/XX/XXXX and was recently inserted back on XXXX XXXX. 

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: DriveTime
State: GA

Complaint narrative:
Drivetime is in violation of Fair credit reporting Act 15 USC 1681b for unlawfully obtaining my XXXX, XXXX and XXXX consumer report on date of 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 2022-10-15 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:
I been sending out letters about incorrect information on my credit report. I haven't received a response back yet from them. All my documents are attached below.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: IL

Complaint narrative:
Companies Involved : FedLoan Servicing ( PHEAA ), XXXX and XXXX To whom it may concern : I took out XXXX Parent PLUS loans for my daughter to attend college between XX/XX/XXXX and XX/XX/XXXX with the original cumulative principal of {$47000.00} and an interest rate of 7.9 %. As of today, these loans now have an original principal of {$81000.00} -- close to doubling -- and the interest on these loans accrued and capitalized while my daughter was still finishing her XXXX degree. 

I am filing this complain again FedLoan, XXXX, and XXXX, because I don't believe I was provided adequate information to ensure the loans were kept on deferment while she continued to pursue her schooling for her XXXX degree and subsequent graduate education. At XXXX point, these loans were placed with a collection agency despite my child 's status as a student pursuing higher education. I am also unclear if it is even possible that these loans should have accrued interest and capitalized while she was still in school at the XXXX institution in which the loans were paid towards. 

Ultimately, these loans have accrued an egregious amount of interest over the course of the last 10-12 years while my daughter has been continuing to pursue schooling over the majority of this time. In particular, I don't believe I was provided proper documentation or communication about the loans accruing interest, capitalizing, and continuing to be active while my daughter continued her schooling. I understand that these loans would accrue interest despite being placed on deferment during XXXX  school, but I believe there have been missteps in policy and communication throughout the process that have led to a much higher principal balance now. 

I am grateful for any assistance that can be provided on tracking down the path of these loans through multiple agencies, including a collection agency. When I reached out to XXXX earlier this year, I was provided with the documentation that I've attached. I don't believe this is expansive or a full representation of the path these loans have went through which have led to their ballooning in value, but it is all I have received, with some redactions being made for some reason. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 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: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
Comenity Bank took over the XXXX XXXX card from XXXX  XXXX XXXX. There are now charges that read " XXXX XXXX XXXX  '' in my transactions. They sent an email that said that the the XXXX XXXX XXXX will be explained on the statement showing what vendor they came from. And that they were from PRIOR purchases made on the original card that the original card holder hadn't disclosed the vendors yet. 
Well, when I log into my account, it shows XXXX XXXX XXXX. 

XX/XX/XXXX XXXX XXXX XXXXY XXXX OH {$25.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX OH {$66.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX OH {$57.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX OH {$20.00} Here 's the challenge. 1. ALL previous transactions transferred over and listed okay. 2. When I look at my corresponding transactions on the originall XXXX XXXX XXXX XXXXXXXX account there are NO matching transactions. Not only that the last transaction from the XXXX XXXX  XXXX XXXX was from XX/XX/XXXX. And Comenity went live on XX/XX/XXXX. So what are the charges from XX/XX/XXXX & XX/XX/XXXX? 

There only answer is that they are working on it? They have no discernable way to disclose the needed information that I need to discern if I made those purchases or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I saw an unidentified and fraudulent charge of {$7500.00} on my card at night time. I called the Bank of America fraud line right away, told them I do not recognize this transaction. They immediately blocked my card, sent me a new one with a new number. They did not remove the charge and said it takes upto 60 days for it to be resolved. They kept on charging interest and fee on it. I stopped using the card till this issue is resolved. They send me a letter saying that they were unable to resolve it as it was done by the guarantor. Its a charge I dont even recognize as its a place called XXXX  which I have no idea what it is. Dont know what to do about 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 monetary relief
Consumer complaint received 2022-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: INDEPENDENT BANK CORP.
State: WA

Complaint narrative:
I am complaining about Rockland Trust Company in Massachusetts. I have a checking account at the XXXXXXXX XXXX, which is owned by Rockland Trust. They sent me a notice of overdraft, which is impossible because I have over {$4000.00} in the account. I contacted them on their website, filled out and emailed a form to close the account on XX/XX/22 and sent a copy of my driver 's license. They have charged overdraft fees of {$35.00} on XX/XX/XXXX, XX/XX/XXXX, and have another pending on XX/XX/XXXX. I spoke with XXXX on the phone on XX/XX/XXXX but he was unable to close the account. I have had an email exchange with XXXX on XX/XX/XXXX again about closing the account. They are also affecting my credit rating because of the overdraft charges on an account with sufficient funds. This is a poorly run bank with a XXXX rating of XXXX. I am a XXXX XXXX and a former member of the XXXX XXXX. Rockland Trust bought XXXXXXXX XXXX probably associating XXXX with wealth and the chance to make big profits. I want all overdraft charges cancelled and the balance in the account sent to me as a check. As a former XXXX XXXX  and a XXXX XXXX XXXX want Rockland Trust investigated for possible illegality.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-15 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I applied and got approved for an unsecured loan from XXXX on XX/XX/2022 for the amount of {$390.00} with a 12 month term. This Loan has been paid in full on XX/XX/2022. On XX/XX/2022 I received my credit report and XXXX is still reporting an open loan which is inaccurate, XXXX is also reporting an inaccurate balance, and XXXX reported that the balance increased by {$3.00} which is also inaccurate because the loan is paid in full. When I spoke to a customer service representative the only solution that was presented to me was a verification letter that the loan was paid. The XXXX customer service representative suggested I dispute my account with the credit bureaus and send this letter of verification to prove the loan was paid off. The account has already been under dispute and XXXX has not responded or updated any information with the credit bureaus.

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 2022-10-15 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Accts # XXXX, Has violated my rights 1. Acct # - XXXX Acct Name - XXXX XXXX XXXX 2. Acct # - XXXX Acct Name - XXXX XXXX 3. Acct # - XXXX Acct Name - U.S. DEPARTMENT OF EDUCATION 4. Acct # - XXXX Acct Name - U.S. DEPARTMENT OF EDUCATION 5. Acct # - XXXX Acct Name - XXXX XXXX XXXX 6. Acct # - XXXX Acct Name - DEPARTMENT OF EDUCATION/XXXX 7 . Acct # - XXXX Acct Name - DEPARTMENT OF EDUCATION/XXXX 8 . Acct # - XXXX Acct Name - XXXX XXXX XXXX 9. Acct # - XXXX Acct Name - XXXX XXXX XXXX 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 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 2022-10-15 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: MOHELA
State: CO

Complaint narrative:
I am currently in graduate school and have been for the past XXXX and XXXX  years. I have applied for deferment with Mohela numerous times and had been given the run around since XX/XX/2021. My XXXX (? ) loans are finally in deferment but despite me asking NUMEROUS times about why my cash loan continued to be require payment I was never given a real answer. It was not until I called this month and spoke with someone again that I was told there was a specific cash loan application ( This was new information to me ). I immediately had my school provide yet another deferment application despite having already providing documentation that I am in school full-time. I just saw they denied my deferment saying the account was 120 days past due. As I said, I have been trying to address this issues for almost and I have numerous emails on Mohela 's website showing my attempts to address this. I received notice this week they have sent my loan into default despite my attempts and providing proof that I am in school. I was denied the deferment despite finally being told that is what needed to happen. Can you please help?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have never applied for credit application or any inquiry with Capital one. Capital one is in violation of Fair credit reporting Act 15 USC 1681b for unlawfully obtaining my XXXX, XXXX and XXXX consumer report on date of XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-15 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
State: IN

Complaint narrative:
Paypal accessed my personal checking account without authorization, in what I believe was retaliation for sharing my personal account of their facilitation of fraud. 

I am complaining about Paypal in the capacity of a consumer using its services.Not as a business. 

On XX/XX/XXXX I received a notice that a transaction made on my paypal account was being disputed. 

I provided evidence that the claim was false and Paypal agreed. 

But Paypal decided to decided to facilitate fraud and pay off the scammer from its own account, stating it would not take the money from my account. ( see attached ) I was not satisfied because Paypal was quite literally supporting fraud on my electronic account and not accurately representing the outcome of the matter. 

I complained publicly in a personal capacity about Paypal facilitating fraud. 

I posted on social media accounts and requested they provide additional details regarding their illegal support of fraud on bank accounts. 

Instead of answering my questions, Paypal retaliated for my public comments and illegally debited my account without any reason or authorization. 

This occurred in the capacity as a consumer. Not a seller. Not a business. As a consumer -- they stole funds from my personal account -- a debit completely unrelated to any open transaction. 

They just stole it. 

At this point, I do not believe Paypal will respond with truth, but I am hopeful the CFPB will look at the pattern of conduct across complaints regarding Paypal 's actions and investigate and audit it to identify how many victims and how many unauthorized debits it has made.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have submitted Identity Theft reports and required documentation for proof of my identity to credit bureaus along with requests for complete credit file disclosures from the companies listed but Ive only received credit reports. Im asking for all the information and documentation that each agency has stored on my file. A full individual file disclosure associated with my identity so I can confirm the accuracy of the information in the file.

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