vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST PORTFOLIO SERVICING INC
State: FL

Complaint narrative:
I called XX/XX/24 @ XXXX XXXX  to schedule a payment for the next business day. Today, XX/XX/24 I received an email stating that my payment was late and that I had a late fee. 

I filed a complaint on XXXX with you reporting that this would likely occur. I kept asking on XXXX if this payment was made and received no reply and stated that the last payment was on time with the report from a supervisor that the late fee from XX/XX/24 would be waived. 

This is First Access attempting to keep this account open in order to collect fees as evidenced by : I paid on time XX/XX/24 and was told that the late fee was waived - see recording from call, I called the day prior to the due date this month ( XXXX ) to pay and and set up a payment as agreed yet they continue to add late fees ( {$50.00} ) in order to keep this account open when I closed it at this interest rate. 

I only want to pay off the balance without being subjected to these abuses. My complaint from XXXX shows that I anticipated this attempt to collect more money. This is bad faith. My balance is getting near XXXX and these attempts are increasing. Can you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 00:00:00
Product: Credit reporting 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: IN

Complaint narrative:
Iv called multiple time to get all these inquires removed do to that fact that I don't recognize any of them and these inquires was not giving approval by me. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Requested On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX  Location XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX  XXXX Location XXXX XXXX  XXXX XXXX, VA XXXX Requested On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type IndividuaXXXX XXXX XXXX XXXXXXXX XXXX Location XXXX XXXX XXXX XXXX, IN XXXX Requested On XX/XX/XXXX Phone Phone number not available Inquiry Type Individual XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX  XXXX ( XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX And on 15 USC 1681b these have no permissible purpose to be on my credit report anyways.

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 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Iv called multiple time to get all these inquires removed do to that fact that I don't recognize any of them and these inquires was not giving approval by me. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Requested On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX  Location XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX  XXXX Location XXXX XXXX  XXXX XXXX, XXXX  XXXX Requested On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX  XXXX Location XXXX XXXX XXXX XXXX, XXXX  XXXX Requested On XX/XX/XXXX Phone Phone number not available Inquiry Type Individual XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX  XXXX ( XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX And on 15 USC 1681b these have no permissible purpose to be on my credit report anyways.

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 2024-08-11 00:00:00
Product: Credit reporting 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 XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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 2024-08-11 00:00:00
Product: Credit reporting 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 XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MO

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 XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
about 6 months ago XX/XX/XXXX i opened a venmo banking account because i had just got my paper check from XXXX  XXXX $ and i couldnt go to the store to cash it because i didnt have no id so i downloaded venmo and cashed my check there it worked but i wasnt able to transfer it because it kept declining my transfers and i also tried to use my money otherwise and declined that transaction with XXXX  after a few more tries they suspended it and remind you i didnt have my id so it was hard trying to get it unfrozen i contacted them and let them know i didnt have the hardcopy of my id and i asked them about the account and if i can use my id receipt and the lady said yeah but in the email the account specialist saud no they couldnt use so i waited all the way until XXXX and still didnt know what was wrong with my account and why my purchases kept declining and the transfers kept declining but about XX/XX/XXXX i got my account reinstated over the phone with venmo because i threatened to retain legal action but they unfroze it and i still wasnt able to use my money ir make transfers i even unlinked my card and my other bank account abd added my mothers card and bank account but that still didnt work nor the transfers so i called them again and the lady said that i should be able to use and make transfers the very next day with the funds i had available abd to call her while XXXX made the transfer so i waited the next day called and spoke with the supervisor and it still didnt work and my acount was back suspended the supervisor got mad at me and told me she couldnt reinstate my account over the phone but mind you i told you the dude did the first time so i asked if she could just send my a check i dont care about the account anymore its just the money i really need it and i worked hard for that XXXX $ plus i have a baby due this month on the XXXX he needs things i need things its just frustrating and its like they got locks on my account and holds and i just want them off so i can use my money

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/year> I am having issues with my credit report. I noticed multiple TILA violations on my report. I recently spoke with a legal advisor regarding this matter. Please send me the following as PROOF that you did your due diligence in maintaining the accuracy of my report ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX notified me 21 days before with a statement, a copy of the creditors payment ledger, As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated.

Here is the law code for reference : 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

DO NOT SEND ME ANYTHING BACK TRYING TO STALL I AM WHO I SAID I WAS. I HAVE INCLUDED MY ID AND SS NUMBER AND YOU SHOULD BE ABLE TO FIND ME. IF YOU SEND A STALL LETTER THIS FURTHER LETS ME KNOW YOU ARE NOT DOING YOUR JOB. I WILL BE KEEPING RECEIPT OF THIS FOR LEGAL PURPOSES.

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 2024-08-11 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM Transunion

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 2024-08-11 00:00:00
Product: Credit 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: Paypal Holdings, Inc
State: NJ

Complaint narrative:
Merchant issued refund for {$2400.00} on XX/XX/year> but PayPal claims they issued refund on XX/XX/year> but to another account number not belonging to me and PayPal refuses to correct this situation. Between the afternoon of XX/XX/year> and the evening of XX/XX/year>, numerous telephone calls have been made to resolve the situation. The transaction refund has shown as " Pending '' but never came through and disappeared on Saturday XX/XX/year>. PayPal sent an email stating it was refunded but to an account that does not belong to me or is known to exist. I contacted XXXXXXXX XXXX, the credit card issuer, which confirmed the account PayPal issued the refund to does not exist. PayPal has been uncooperative in resolving the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is in violation of 15 U.S.C. 6802, 15 U.S.C. 1666b, XXXXXXXX XXXX XXXX XXXX. CODE ANN. 20.01 20.13, CAL. CIV. CODE 1785.11.2, 15 U.S. Code 1681i, Paragraph ( 5 ) The Credit Reporting Agency is in violation of 15 U.S.C. 6802, 15 U.S.C. 1666b, XXXXXXXX XXXX XXXX XXXXXXXX. CODE ANN. 20.01 20.13, CAL. CIV. CODE 1785.11.2, 15 U.S. Code 1681i, Paragraph ( 5 ) .... My rights by the FCRA, EOCA, and Privacy Act are in violation by the unaffiliated 3rd party ( s ) this complaint is going to. For items that have been placed on my credit report. I have included attached documents of these items. As per 15 USC 6802 ( b ) and ( c ). I was never provided the knowledge of the opportunity to opt-out of my personal information being reported. I then was also not provided knowledge and instructions on how to opt- out of my personal information being reported. In addition I have late payments that are being listed that were never verified and violated my rights per 15 USC 1666b. Both the credit furnisher and reporting agencies are in violation of these acts. They are unable to provide adequate verifiable proof. Lack of this acceptable proof based on the claim is lack of Corporate Compliance and a crime. If the proper recordings matching the letters are not rectified within 30 days and updated immediately with proof of the update. I will next exercise my rights to take legal actions. Since both parties are currently the acting fiduciary agents over my entrusted interests and information. I will bring claims against every company and pressure an investigative review in pursuit of remedy.

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 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion is in violation of 15 U.S.C. 6802, 15 U.S.C. 1666b, XXXX XXXX XXXX XXXXXXXX. CODE ANN. 20.01 20.13, CAL. CIV. CODE 1785.11.2, 15 U.S. Code 1681i, Paragraph ( 5 ) The Credit Reporting Agency is in violation of 15 U.S.C. 6802, 15 U.S.C. 1666b, XXXXXXXX XXXX XXXX XXXX. CODE ANN. 20.01 20.13, CAL. CIV. CODE 1785.11.2, 15 U.S. Code 1681i, Paragraph ( 5 ) .... My rights by the FCRA, EOCA, and Privacy Act are in violation by the unaffiliated 3rd party ( s ) this complaint is going to. For items that have been placed on my credit report. I have included attached documents of these items. As per 15 USC 6802 ( b ) and ( c ). I was never provided the knowledge of the opportunity to opt-out of my personal information being reported. I then was also not provided knowledge and instructions on how to opt- out of my personal information being reported. In addition I have late payments that are being listed that were never verified and violated my rights per 15 USC 1666b. Both the credit furnisher and reporting agencies are in violation of these acts. They are unable to provide adequate verifiable proof. Lack of this acceptable proof based on the claim is lack of Corporate Compliance and a crime. If the proper recordings matching the letters are not rectified within 30 days and updated immediately with proof of the update. I will next exercise my rights to take legal actions. Since both parties are currently the acting fiduciary agents over my entrusted interests and information. I will bring claims against every company and pressure an investigative review in pursuit of remedy.

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 2024-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX I was admitted to XXXXXXXX XXXX in XXXX XXXX CA. While XXXX XXXX XXXX my vehicle was broken into and in the backseat was my purse which contained my wallet which had my bank cards my drivers license my social security card and my cell phone. During the timXXXX XXXX XXXX XXXX XXXX XXXX I was unaware of my vehicle being broken into and my purse stolen which the perpetrator was using my card and phone to make purchases and pull money out etc. I filed a police report and filed disputes with my bank, some were in my favor and some were not and then Wells Fargo close my account. I asked how to appeal the decision and I was told I can not appeal them. I do have my proof of when XXXX XXXX XXXX XXXX XXXX as well as my police report that I filed.along with the claim # ( XXXX ) and the amount ( {$11000.00} )

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 explanation
Consumer complaint received 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/year> I am having issues with my credit report. I noticed multiple TILA violations on my report. I recently spoke with a legal advisor regarding this matter. Please send me the following as PROOF that you did your due diligence in maintaining the accuracy of my report ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX notified me 21 days before with a statement, a copy of the creditors payment ledger, As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated.

Here is the law code for reference : 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

DO NOT SEND ME ANYTHING BACK TRYING TO STALL I AM WHO I SAID I WAS. I HAVE INCLUDED MY ID AND SS NUMBER AND YOU SHOULD BE ABLE TO FIND ME. IF YOU SEND A STALL LETTER THIS FURTHER LETS ME KNOW YOU ARE NOT DOING YOUR JOB. I WILL BE KEEPING RECEIPT OF THIS FOR LEGAL PURPOSES.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/year> I am having issues with my credit report. I noticed multiple TILA violations on my report. I recently spoke with a legal advisor regarding this matter. Please send me the following as PROOF that you did your due diligence in maintaining the accuracy of my report ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX notified me 21 days before with a statement, a copy of the creditors payment ledger, As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated.

Here is the law code for reference : 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

DO NOT SEND ME ANYTHING BACK TRYING TO STALL I AM WHO I SAID I WAS. I HAVE INCLUDED MY ID AND SS NUMBER AND YOU SHOULD BE ABLE TO FIND ME. IF YOU SEND A STALL LETTER THIS FURTHER LETS ME KNOW YOU ARE NOT DOING YOUR JOB. I WILL BE KEEPING RECEIPT OF THIS FOR LEGAL PURPOSES.

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