vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-18 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 2022-04-18 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: SECURITY FINANCE CORP
State: TX

Complaint narrative:
I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

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 2022-04-18 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: NY

Complaint narrative:
I created a personal PayPal account in XXXX which I used to make small purchases through XXXX for things like gifts for friends. Somehow when I created the account, my address was accidentally listed in XXXX, even though my street and city were clearly U.S. based XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As far as Ive been able to tell, there is no such street address in XXXX. PayPal never raised with me that this problem existed nor that it needed to be corrected, until my account was unexpectedly closed. There is over {$2000.00} in the account which I can not access and PayPal never gave me any opportunity to prove myself. I do not live in XXXX, Ive never lived in XXXX, I dont speak XXXX, nor do I use PayPal for business. Yet here I am with $ XXXX trapped in an account I can not access. The account was permanently limited/aka closed after I used PayPal during the process of selling my wedding dress. I decided to sell my wedding dress using XXXX to raise some extra money, and XXXX requires sellers to pay buyers through PayPal. My dress was a bit expensive, which is why the resale transaction was for ~ {$2000.00}. I of course had no idea that I had any issues with PayPal so I shipped the dress the morning I was paid ( XX/XX/XXXX ) and uploaded a tracking number to PayPal. The dress was delivered on ( XX/XX/XXXX ). On XX/XX/XXXX, I went on vacation so I did not realize my account had been permanently limited until going through my personal to-dos on my way home. Im now out my wedding dress ( something very important to me and something I now sorely regret ever trying to sell ) and {$2000.00}! PayPal also collected a 5.3 % fee on this transaction, in addition to locking up my funds. Ive informed PayPal I can provide whatever they need to verify my identity, my country of residence and the legitimacy of my transaction, but theyve told me there is nothing their team can do. Theyve advised me to call their XXXX team, but I do not speak XXXX and the number I called said it can not be reached. PayPal makes money by exchanging and storing money, and here, theyve taken my money ( on which Im sure theyre earning interest ), charged me a pretty hefty fee, and made me spend ages on the phone with people who ( 1 ) have treated me like Im doing criminal business and ( 2 ) allege they can do nothing to help me, all without giving me any way of proving myself.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent letters to Equifax, XXXX and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 40 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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: NC

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 explanation
Consumer complaint received 2022-04-18 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: FL

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

XXXX SELF-REPORTED Account # : XXXX reporting innaccurate information XXXX  SELF-REPORTED Account # : XXXX reporting innaccurate information XXXX  SELF-REPORTED Account # : XXXX reporting innaccurate information XXXX  SELF-REPORTED Account # : XXXX reporting innaccurate information XXXX  XXXX Account # : XXXX reporting innaccurate information XXXX Account # : XXXX reporting innaccurate information XXXX ( original creditor : XXXX XXXX ) Account # : XXXX reporting innaccurate information XXXX ( original creditor : XXXX XXXX XXXX ) Account # : XXXX reporting innaccurate information XXXX XXXX original creditor XXXX XXXX ) Account # : XXXX reporting innaccurate information XXXX XXXX ( original creditor : XXXX XXXX ) Account # : XXXX reporting innaccurate information These accounts has violated my rights .

15 USC 1681 section 602 A. States I have right to privacy.

15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions to do so.

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 1681 section 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 innaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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 Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX Account # : XXXX reporting innaccurate information XXXX XXXX Account # : XXXX reporting innaccurate information XXXX XXXX Account # : XXXX reporting innaccurate information XXXX XXXX Account # : XXXX reporting innaccurate information XXXX XXXXXXXX Account # : XXXX reporting innaccurate information XXXX Account # : XXXX reporting innaccurate information XXXX ( original creditor : XXXX XXXX ) Account # : XXXX reporting innaccurate information XXXX ( original creditor : XXXX XXXX XXXX ) Account # : XXXX reporting innaccurate information XXXX ( original creditor XXXX XXXX ) Account # : XXXX reporting innaccurate information XXXX XXXX ( original creditor : XXXX XXXX ) Account # : XXXX reporting innaccurate information These accounts has violated my rights .

15 USC 1681 section 602 A. States I have right to privacy.

15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions to do so.

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 1681 section 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 innaccurate.

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 2022-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase bank closed my checking account without any notice, I also have NOT received any monies that are owed to me from deposits that were in my account before closure.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-18 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 2022-04-18 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: CA

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. 
XXXX XXXX XXXX  # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX  # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States that I have to the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 ) : also states that 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 2022-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
A so called recovery place tried to get me to pay {$830.00} today by days end or face a {$5000.00} judgement in court for a old credit card I never had. Says from XXXX in which is impossible because I didnt have a capital one card between these yrs. What is the statue of limitations on these matters!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Avadyne Health Holdings, Inc
State: IL

Complaint narrative:
A Debt validation letter was sent to H & R Accounts on XXXX XXXX, 2022. They were given 30 days to validate the debt they are showing on my credit report. They did not respond. As they were unable to validate the debt, I am requesting that the collections be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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:
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 acct # XXXX, XXXX  XXXX XXXX acct # XXXX, XXXX acct # XXXX, XXXX  acct # XXXX, XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX  acct # XXXX & XXXX, XXXX ACCT # 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 2022-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica
State: TX

Complaint narrative:
As stated before my identity and various things were taken XXXX XXXX since then there has been many unauthorized withdrawals made on my account. I've gotten a new card and reported the events to the bank and I haven't been compensated for any of them. I've just given up on the possibility that someone would be kind enough to hear me and help me. I use the direct express bank card to recieve my SSI and XXXX checks. I'm on a fixed income I can't afford to keep letting people take my money. Due to my circumstances I'm not able to call or even attempted to try. My calls are XXXX and I'm exhausted

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/22, I was contacted by XXXX Branch managers of the Chase Bank ( JPMorgan ), the first at XXXX XXXX XXXX, NY. NY XXXX, and the second located at XXXX XXXX XXXX, XXXX, NJ. The New Jersey XXXX XXXX informed me that a person presented my new debit card ( that I never received or had in my possession ), along with a " cloned '' /fake driver 's licesense. She then told me that they did not give any of my money from my savings or or checking account to this person due to his " cloned '' driver 's license, but she willfully failed to inform me that XXXX of her bank tellers provided this perpetrator with a new PIN number, without following Chase Bank 's Fraud procedures, including obtaining substantive, credible identification information prior to giving this person a new PIN number. This egregious failure on the part of this bank resulted in the perpetrator of this crime to go to several other Chase Banks in NJ, including one XXXX XXXX Bank, and withdraw {$9000.00} from my checking and savings accounts. ( {$3000.00} was credited to my account by XXXX XXXX Bank ), leaving {$6000.00} still outstanding ). 

The New Jersey Chase Bank did not retain/confisicate the perpetrator 's " cloned '' ( fake ) driver 's license at the time of this incident ( which is Chase Bank 's fraud procedure ), or contact the police to apprehend this individual. Neither did they place my account on restriction so that the perpetrator could not go to any other banks to withdraw my money, which he in fact did, and waited a prolonged period of time prior to notifying me of this crime and theft from my savings and checking accounts. 

Furthermore, the Chase Bank XXXX XXXX XXXX informed me that it was not their responsible to call the police at the time of this incident or to file a police report after the incident, but was my responsibility to file police reports ( which I did with the New Jersey and New york Police XXXX, as well as with the XXXX XXXX XXXX ). I was informed that an XXXX would be assigned to my case but it was my responsiblity to call the XXXX office to find out who my case would be assigned to. I was also told that a " decision '' would be made up to 60 days as to the outcome of their findings, with no mention of crediting money that was stolen due to their negligence and incompetence that would have prevented this theft from occurring had the Chase bank in question initiated timely and appropriate actions as noted above. In sum, Chase did not collaborate with me, a victim of a crime committed due to their negligence and incompetence, and in fact were adversarial, leaving an elderly retired person in a vulnerable and compromised state.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-18 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: CA

Complaint narrative:
I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, Transunion and XXXX to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX Enclosures : Social, ID, Identity Theft report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
I missed a payment on our business credit card ( # XXXX exp XX/XX/XXXX ) after the legacy BB & T online banking site was converted to Truist. A scheduled payment did not transfer when the data was moved resulting in a {$39.00} late fee charged on XX/XX/XXXX. Text from an email sent by Truist on XX/XX/XXXX states " Well also refund certain fees you XXXX experience during the transition. '' I sent an email on XX/XX/XXXX to my local branch XXXX in XXXX XXXX, SC, XXXX XXXX, to request assistance with this issue and several others. I received a response from her on XX/XX/XXXX indicating that she would look in to getting the fee reversed. I did not receive an update. I sent another email to her on XX/XX/XXXX and never received a response. A friend who worked on the merger for Truist forwarded my email thread outlining a number of issues including this XXXX to XXXX merger leaders. On XX/XX/XXXX I received a voice mail from XXXX XXXX who indicated that he was assigned to my case with ( # XXXX ). I called and left messages on XX/XX/XXXX, XXXX and XX/XX/XXXX and have received no call back. I have also filed complaints with # XXXX and XXXX for reference.

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 2022-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to dispute the following information that is on my report. I have contacted the companies Experian, XXXX and XXXX to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX Enclosures : Social, ID, Identity Theft report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-18 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: NC

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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