vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-12 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: NV

Complaint narrative:
Experian continues to violate my unalienable and federally protected rights by reporting incomplete and inaccurate information in my credit file. They do not follow reasonable procedures to ensure maximum possible accuracy as required in the FCRA. I have filed several complaints through CFPB, only for Experian to enter a new dispute, in which I did not request. What I demanded was for them to provide me with proof that they have the authority to furnish my information and proof of the method of verification, which they have not. This last complaint submitted on XX/XX/22 they did a reinvestigation of an account that I did not even request. This is how I know they are fraudulently reporting inaccurate information to my credit file. Who gave Experian the authority to store or house my non public personal information? I have NEVER given Experian the authority or power to furnish my information, Experian does not have the right to make decisions on who my information can be shared with! Experian does not have the right to enforce me to participate in their business practices. Is Experian an actual consumer reporting agency? Experian is pretending to have a vital role furnishing private information with no authority. Experian deliberately pretending to have a fundamental concern or right in furnishing my private information with no authority is an invasion of privacy. Experian continues to respond grossly, and I intend to sue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc

Complaint narrative:
I currently have a Paypal Account which I have used for more than a year for my online business. 

There were no problems for a long duration until today when Paypal sent a message without warning that I had violated their User Agreement Clause except I had not broken any clause and neither had they stated any reason. 

As a result my money is now stuck in my Paypal Balance which I may have otherwise used. 

Even though its a {$100.00} now which is stuck for 180 days they have blocked my way of earning which is using XXXX XXXX XXXX XXXX XXXX This has been a very horrible experience for me in all fronts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VT

Complaint narrative:
I sent a letter on XX/XX/22 to Capital One regarding credit inquiries. I have not applied for any credit and I have placed fraud alerts on my account. If someone tries to open credit I will be notified. I tried reaching out to the the company to resolve this issue but I have not heard anything back and it's still reporting on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This complaint is in regards to claim XXXX. The transactions were made via XXXX XXXX in XX/XX/XXXX, during the height of the pandemic and prior to me ever recieving or activating my prepaid XXXX checking account. I filed the claim in XX/XX/XXXX and my account was frozen due to suspected fraud. I never requested or recieved any of these funds. The first reason I was given for my claim being denied was that it hadnt been filed in a timely fashion. I requested a reconsideration which was also denied, and despite being legally obligated to do so, Bank of America refused to provide me with any information/documentation that was used in making their decision. In XX/XX/XXXX, I recieved a letter from B of A informing me that I could request that my previously denied claims could be re opened as they XXXX have been subject to being unfairly and or prematurely denied in error. I decided to reopoen my claim and faxed several documents, including a police report and documentation from CA XXXX to support my claim. Unfortunately, all of my efforts have been in vain as this, and several other claims Ive submitted still remain unressolved. My only point of contact, the B of A prepaid claims dept have been kind but are entirely incapaple of assisting me which has been incredibly frustrating. Finally, I would like to note that I contacted XXXX XXXX on numerous occasions and finally received some relevent feedback from a supervisor named XXXX. He stated that no funds could have been collected at the XXXX XXXX XXXX branch in XX/XX/XXXX because they were not open to the public at that time due to the Pandemic.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
From XXXX XXXX, XXXX XXXXXXXX XXXX and onwards I got into these " good or service '' disputes that lead to chargebacks with " Capital one bank ''. The complaint is towards capital one, to be specific.The merchants in these disputes were unprofessional and their customers service was shady. Capital one was no better, capital one agent after capital one agent I was mislead, gaslighted, and sucked up into these claims " thinking that I would win them ''. For example, XXXX of the agents misplaced my claims and then XXXX XXXX later I had to put it together, which took XXXX  of my time on the phone ( there are call records ). Call after call with this bank in a span of XXXXXXXX XXXX, I received people who were incompetent and treacherous. All of these individuals had a negative motive that was other than providing proper phone banking. Most phone calls a fail, and just dissatisfying all-together. The back-office team of this capital one does what it wants with these disputes/claims with XXXX regard for the customer. The merchant has complete authority or " benefit of the doubt '', over the dispute itself.My account has gone negative XXXX  times due to this banks actions and " surgical discrimination '' of my banking life. There has to be regulation of how these capital one agents behave on the phone and the financial info they provide. What they're providing is a " financial service '', so there must be proper conduct that is free of mal-intent or discrimination on the basis of XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First National Collection Bureau, Inc.
State: FL

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

XXXX XXXX XXXX  : # XXXX Ref # XXXX, has violated my rights and fraudulently placed an account in my name that I do not have any knowledge of, owned or opened with this creditor and yet somehow I recently received a letter from them in the mail for a discount payment of a debt I do not owe them. 

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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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 been violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX account # XXXX has violated my rights 15 USC 1681 section 602A, 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 account without my written instructions 15 USC ( a ) ( I ) 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 explanation
Consumer complaint received 2023-01-12 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  account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair credit Reporting Act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX  account # 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 2023-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: CA

Complaint narrative:
On XXXX XX/XX/XXXX, I purchased XXXX NetSpend prepaid cards at a XXXX XXXX and paid for them at checkout, as well as pre-loading {$40.00} on each one ( totaling {$240.00} ). 

I did not understand that they are not gift cards, that they have fees I consider unreasonable, and that they would require identity verification before the recipient could use them. When I got home, I discovered these problems, and decided not to give them as gifts and just return them and get my money back. However, XXXX XXXX not accept the return, saying they could not get the pre-loaded money back. 

On XXXX XX/XX/XXXX, I called XXXX to ask if I could return the cards. They said I could not because they can not get the pre-loaded money back. 

I proceeded to try to activate the cards through netspend.com/activate, as printed on the sticker on the card. I was able to activate XXXX card, and the {$40.00} showed up in my account. However, I could not activate the remaining XXXX cards, or otherwise transfer the funds I had preloaded on those cards to my account. 

I then called NetSpend support and explained that I was trying to get my money back on these XXXX cards. The phone call lasted XXXX minutes and ended with instructions to activate the cards through their website, which I had already tried and still wasn't working. 

On XXXX XX/XX/XXXX, I again contacted NetSpend through their Secure Email function on NetSpend 's website while signed into my account, explaining the situation, and asking for the funds to be returned. I again was provided with instructions that did not help. I replied explaining that the provided instructions did not resolve the issue, and NetSpend offered no solution, simply telling me that for security reasons, I would have to call in to resolve the issue. 

NetSpend is denying me access to the funds I pre-loaded, and I want my funds returned. I do not want the cards.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I currently have my credit frozen with all 3 major agencies ( TransUnion, XXXX, and XXXX ) but am needing to temporarily lift the freeze to apply for a line of credit. When logging into TransUnion, it forced me to create a new password which I did but the status of my freeze on their website says " UNKNOWN '' and to contact an agent at the phone number provided. I called and was hung up on by their robot answering machine 3 times, finally reached an agent that also hung up on me, then got in contact via text just to be told they can't help me because my login information ( that I just changed ) was incorrect. I changed my password again and got the same error message. When I change my password, the site redirects you to your home page but then when I log out and attempt to log back in, it says my information is incorrect. I have not been able to successfully reset a password, reach an agent, or check the status of my freeze for hours now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Penn Credit Corporation
State: PA

Complaint narrative:
Disputed through credit report as well, but I did not receive any communication from the original Creditor about debt owed or the new creditor about transfer of any debt nor did I receive and validation information to make sure it was correct. 
Payments in full were made to original owner before debt was transferred.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: NC

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 of XXXX XXXX. Account # XXXX Account name : XXXXXXXX XXXX XXXX XXXX. Account # XXXX Account name : XXXXXXXX XXXX XXXXXXXX XXXX. Account # XXXX Account name : XXXXXXXX XXXX XXXXXXXX XXXX. Account # XXXX Account name : XXXXXXXX XXXX XXXX XXXX. Account # XXXX Account name : XXXXXXXX XXXX XXXX XXXX. Account # XXXX Account name : XXXXXXXX XXXX XXXXXXXX XXXX. Account # XXXX Account name : XXXXXXXX XXXX XXXX XXXXXXXX. Account # XXXX Account name : XXXXXXXX XXXX XXXXXXXX XXXX. Account # XXXX Account name : XXXXXXXX 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 602 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 or 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 explanation
Consumer complaint received 2023-01-12 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: NV

Complaint narrative:
In accordance with the fair credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy confidentiality under 15 U.S.C 1681. 

XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX 15 U.S.C 1681 section 602 A. States I have a 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 reporting agency containing any of the following items of information, other than records of convictions of crimes with antedates the report by more than 7 years.

15 U.S.C 1681-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the persons know or have a reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: MI

Complaint narrative:
CFPB, Here are the documents that proves XXXX XXXX XXXX was provided and was notified by Equifax that I disputed my prior payment history because it was incomplete and inaccurate. ( See Attachment below ). XXXX XXXX XXXX certified to Equifax that the prior payment history was correct and accurate. ( See Attachment below ) I pulled a new credit report from annual credit report. ( See Attachment below ) XXXX XXXX XXXX did not fix any of the prior inaccurate and incomplete payment history. ( See Attachment below ) XXXX XXXX XXXX knew that the payment history was being reported incorrectly. My payment history was blatantly obviously incorrect and incomplete. ( See Attachment below ) Violation after violation. 

Either correct the account or delete it immediately. This is your last chance to fix your companies inaccurate and incomplete reporting of my payment history. Do the right thing, thank you. 





XXXX XXXX XXXX XX/XX/2023, XXXX PM ( 1 day ago ) to XXXX XXXX. 

Ive disputed the accuracy and the incompleteness of my payment history with Equifax, regarding XXXX XXXX XXXX. I will attach documents so you can see for yourself. Equifax says that CAC has verified that the prior payment history is accurate and correct. Will you please explain to me how this payment history could be verified as accurate and correct? I will attach all the supporting documents and you can look at it yourself. Ive been extremely patient. Theres XXXX violations. This is my final attempt to have it corrected or deleted. I just want to move on with my life. 

Thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: PA

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 confidentially under 15 USC 1681. Act Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions. 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

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

XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX : # XXXX Ref # XXXX, has violated my rights and committed fraud on my personal information by attempting to collect a Debt that was not owed by me through the use of a third party Debt collection agency, XXXX XXXX XXXX XXXX XXXX. I have never opened an account with the above creditor, have a credit card with them, nor have I ever done business with or owe them a financial debt. 

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 explanation