vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Dispute with Ally bank XX/XX/XXXX : I got emails saying that my debit card was added to a digital wallet. I immediately opened the bank app and I saw 4 withdrawals of {$500.00} each made from XXXX XXXX. At the time I was in XXXX XXXX, XXXX. The transactions were marked Pending I immediately called the bank. Told them that these XXXX transactions were not made by me. They said that they will cancel the transactions, deactivate my debit card and send me a new card. 

The pending transactions disappeared from my account. 

XX/XX/XXXX : I came back to XXXX, saw that I received the new card and did not activate it. 

I opened the Ally bank app and saw that the XXXX transactions that were canceled on XX/XX/XXXX came back on XX/XX/XXXX and this time they were not pending. The money was withdrawn from my account I called the bank again. They said I can file a dispute. I filed a dispute. 

A few weeks later they put credit in my account of 4 times {$500.00}. The value of the missing money XX/XX/XXXX : I was checking the Ally bank App and I saw that the money was taken out again. XXXX transactions of {$500.00} each I called again. They told me that the dispute team came back and decided that the transactions were legitimate because they presented the physical card. 

This is impossible because at the time of the transaction I was out of the country with my card in my possession. I made an ATM withdrawal using the card in XXXX XXXX a few days earlier ( XX/XX/XXXX ). I was in XXXX from XX/XX/XXXX to XX/XX/XXXX. 

I have screenshots of all the material. My airplane ticket, my passport stamps. Screenshots of the transaction i made in XXXX which show that i had the card on me. I have not been to XXXX XXXX in years. 

I tried to cancel these fraudulent transactions immediately as they happened but Ally made mistakes. They allowed them to execute 2 weeks later on a deactivated card. And their investigation came to the wrong results. No one could have presented my physical card in XXXX XXXX since i had it on me thousands of miles away

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 2022-05-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My capital one case number is XXXX I applied for capital one 's credit card in early XXXX. I activated the card after I received it. But I haven't started using my card yet it's restricted. capital one asks me for an ID. SSN and proof of residency. They have now closed my account after I uploaded them all. I haven't opened the card for a month and they also ask me to pay an annual fee of {$390.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit reports are showing inaccurate info regarding a bankruptcy. This bankruptcy should not be on my credit report. I sent letters to all XXXX major credit bureaus including Equifax, XXXX and XXXX and my letters we're either ignored or the results came back as verified but this can not be accurate. The response from XXXX and Equifax was received XX/XX//2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22 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: WA

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX Account number XXXX XXXX ; has violated my rights. 

15 U.S.C 1681 section 602 ( a ) States I Have A Right To Privacy.

15 U.S.C 1681 section 604 ( a ) Also states A consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22 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: EQUIFAX, INC.
State: PA

Complaint narrative:
15 U.S.C. 1681 section 602 A. States I have the right to privacy 15 U.S.C, 1681 Section 604 A. States a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My credit reports are showing inaccurate info regarding a bankruptcy. This bankruptcy should not be on my credit report. I sent letters to all 3 major credit bureaus including XXXX, Experian and XXXX and my letters we're either ignored or the results came back as verified but this can not be accurate. The response from Experian and XXXX was received XXXX2022.

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 2022-05-22 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: Bridgecrest Acceptance Corporation
State: NY

Complaint narrative:
In accordance with the fair credit Reporting act XXXX AccouRt # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency canne furnish a account without my written instructions.

9384 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open End consumer credit As late for and purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
Yes I received an email from paypal stating that they took {$1900.00} out of my account for an XXXX XXXX that I never ordered or authorized! I tried contacting PayPal numerous times & they are ignoring me! They owe me {$2000.00} immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
The scam sent me a text message on XX/XX/XXXX around XXXX XXXX  XXXX saying that I had an illegal package with XXXX that was alerted by the XXXX custom. And saying that I am wanted and will be arrested by the international police because my passport is used as an illegal bank account to conduct money laundering crime and now is under investigation and I can not tell anyone or they will involve in this crime and have to go to XXXX for investigation as well. They tell me to transfer {$150000.00} USD in total to XXXX 's court account for an investigation as a deposit to avoid being arrested through the XXXX XXXX immediately. So I believe in their words and thought sending the money can keep me safe and give the police time to conduct an investigation to prove that I am innocent. I borrowed money from my parents for {$55000.00} USD and my friend for {$21000.00} with my own money {$8000.00} USD in Chase Bank Account and {$8000.00} USD from XXXX XXXX  ATM summing up a total of {$92000.00} USD sending all the money through Chase bank on my savings account to three different bank accounts in XXXX XXXX with three different account name on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX separately. Chase bank tell me to send a secure message through their website and asked the wire research team at Chase bank to help me recall the transactions but never heard back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22 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: Velocity Portfolio Group
State: NY

Complaint narrative:
In accordance with the fair credit Reporting act XXXX AccouRt # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency canne furnish a account without my written instructions.

9384 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open End consumer credit As late for and purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22 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

Complaint narrative:
Hi, I'm using paypal account for online freelancing since XX/XX/XXXX and it was permanent limited last XX/XX/XXXX and has a small funds stuck in it. My account : XXXX with balance of XXXX XXXX, I'm hoping that my account will restored as soon as possible. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
Equifax and XXXX refuse to delete unproven accounts from my credit report. I have filed disputes with both agencies and within 5 days they label the information as correct, without opening a formal investigation. I have no trouble with XXXX. They actually reach out to the lenders and ask for information in regards to the information that they are reporting. These accounts have been removed from XXXX credit file and not deleted with Equifax or XXXX : XXXX : This account is not mine, can not be proven to be mine and has been reporting well over the statue of limitations. 

XXXX XXXX : This account is not mine, can not be proven to be mine and has been reporting well over the statue of limitations. 

Please help me to remove this information from my credit report with Equifax and XXXX. I have filed multiple disputes with each of them in regard to the accounts and they have not done any investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22 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: WA

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX Account number xxxxxxxxxxxxx XXXX ; has violated my rights. 

15 U.S.C 1681 section 602 ( a ) States I Have A Right To Privacy.

15 U.S.C 1681 section 604 ( a ) 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 2022-05-22 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: WA

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX Account number xxxxxxxxxxxxx XXXX ; has violated my rights. 

15 U.S.C 1681 section 602 ( a ) States I Have A Right To Privacy.

15 U.S.C 1681 section 604 ( a ) 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 2022-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
HARD Inquiries XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020

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 2022-05-22 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: Resurgent Capital Services L.P.
State: NC

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

15 U.S. Code 1692b - Acquisition of location information ( 2 ) not state that such consumer owes any debt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, SC XXXX I do not owe any debt or am I a resident in the state of SOUTH CAROLINA There are 4 violations circled on the attached correspondence from the mentioned company.

15 usc 1692 C 15 usc 1692 D ( 2 ) 15 usc 1692 B ( 2 ) 15 usc 1692 G ( A )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22 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

Complaint narrative:
Good Day, Im using paypal for my online business and my account XXXX opened in XX/XX/2022 and has been permanently limited and I have funds of XXXX XXXX stuck. I hope my account will be back so that I can withdraw my money. thank yoy for helping. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I filed a report with theFTC and and then did a report with XXXX and XXXX explaining that I was scammed. The scammers tricked me into sending them money through XXXX  and XXXX did not want to help me nor XXXX wanted to. Even though I had provided proof and the report from the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  and XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2022-05-22 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
XXXX and Experian refuse to delete unproven accounts from my credit report. I have filed disputes with both agencies and within 5 days they label the information as correct, without opening a formal investigation. I have no trouble with XXXX. They actually reach out to the lenders and ask for information in regards to the information that they are reporting. These accounts have been removed from XXXX credit file and not deleted with XXXX or Experian : XXXX  : This account is not mine, can not be proven to be mine and has been reporting well over the statue of limitations. 

XXXX XXXX  : This account is not mine, can not be proven to be mine and has been reporting well over the statue of limitations. 

Please help me to remove this information from my credit report with XXXX and Experian. I have filed multiple disputes with each of them in regard to the accounts and they have not done any investigation.

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 2022-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
HARD Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22 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

Complaint narrative:
Hello Sir/Madam , I'm using paypal for online business buying loads, game credits online, transferring funds using XXXX  or digital services. 
My account XXXX was permanently limited since XX/XX/2022 and has a funds stuck in it, i wish to withdraw my funds and hoping it was restored soon Thank You, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22 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: Solar Mosaic LLC
State: PA

Complaint narrative:
I have XXXX as my alarm company, they offered me solar i accepted it they are now damaging my credit which is illegal and a violation of the fair credit reporting act and the fair debt collection practices act.. specifically they are harming me by having a 30 day late on my credit. ( Which is an accurate because the first payment is not due until XX/XX/2022 ) And many harassing phone call Mosaic has violated the following : 15U.S. Code 1681a ( 2 ) A ( i ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1692e ( 4 ) 15 U.S. Code 1692e ( 8 ) 15 U.S. Code 1692e ( 11 ) 15 U.S. Code 1681i ( 5 ) ( A ) ( I ) 15 U.S. Code 1640 ( 2 ) ( A ) ( I ) 15 U.S. Code 1640 ( 1 ) 15 U.S. Code 1640 ( 2 ) ( B )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2022-05-22 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  and XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have XXXX as my alarm company, they offered me solar i accepted it they are now damaging my credit which is illegal and a violation of the fair credit reporting act and the fair debt collection practices act.. specifically they are harming me by having a 30 day late on my credit. ( Which is an accurate because the first payment is not due until XX/XX/2022 ) And many harassing phone call XXXX has violated the following : 15U.S. Code 1681a ( 2 ) A ( i ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1692e ( 4 ) 15 U.S. Code 1692e ( 8 ) 15 U.S. Code 1692e ( 11 ) 15 U.S. Code 1681i ( 5 ) ( A ) ( I ) 15 U.S. Code 1640 ( 2 ) ( A ) ( I ) 15 U.S. Code 1640 ( 1 ) 15 U.S. Code 1640 ( 2 ) ( B )

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