vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry 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 non-monetary relief
Consumer complaint received 2023-03-28 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: NC

Complaint narrative:
I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX  Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XX/XX/

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 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 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 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
Consumer complaint received 2023-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: MN

Complaint narrative:
They sued me for debt already paid and took wages and in letters they don't even say what there taking money out for. All this should be deal with and my paychecks need go back to normal. They taking money to live of and this company needs stop so many red flags they do not by book and they are also supposed to try setting payment deal up which never they when to judge and sent to home office.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Unfortunately with CFPB, you are only allowed to select one choice but my issue with Chase Bank involves multiple potential violations. 

I have had various health and financial issues over the past couple of years. I'm finally getting back on my feet. My Chase credit card was not only my lowest balance card, but my lowest credit limit card. And they are the company that I've had the most problems with. In fact, I haven't really had problems with any of the other companies I'm associated with except for Chase. 

I was a card member for something like 17 years, Maybe longer. In all of that time, my credit limit was never increased ( besides when I initiated an increase ) where was my APR ever lowered but I still remained a client of Chase. 

I started having financial problems and my balance hovered around only {$700.00}. 
After a few months of me not being able to pay, understandably Chase close my account. 

The problem is : Chase kept treating and keeps treating my closed account as an open account meaning I still receive emails as if I have an active credit card when my account was closed back in XX/XX/2022. Chase keeps issuing late fees and keeps piling on interest to a card that was closed many months ago. So now my approximately {$700.00} balance is now over {$1000.00}. 

They keep calling every single day.. not one day has gone by where they have not called. 

Chase has already been involved in multiple class action lawsuits where it had to pay out millions of dollars due to harassment or unfair collection practices. I will not be taking advantage of that's why I'm officially filing this complaint. 

To summarize : 1. my balance must be adjusted 2. They need to stop calling my house with harassing phone calls every single day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-28 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: NJ

Complaint narrative:
I was having capital one automatically take the minimum balance out of my checking account. Instead of doing that they took {$2100.00} and will not refund it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 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: PNC Bank N.A.
State: NY

Complaint narrative:
PNC Bank Credit Card ending in XXXX indicate unauthorized activity Date Amount Merchant Name XX/XX/27 XXXX XXXX XXXX XXXX XXXX XX/XX/27 XXXXXXXX XXXX XXXX XXXX  I have not yet received my pnc credit card since the i apply for this account, i have request a replacement card already. and the new replacement card also have been taken by somebody and was able to attempt activities and make transactions on my card. 
i was not able to get myself protected and reset my account security purposes. and login in or reset my online banking.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody 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 2023-03-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody 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 2023-03-28 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:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
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, 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 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 2023-03-28 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 XXXX 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 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 2023-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Dear Bank of America NA, My claim, {$6000.00} was reopened up after submitted an additional information on XXXX/XXXX/2023 XXXX/2023 It closes back on XX/XX//2023. This claim is similar to claim # XXXX and claim # XXXX where it was favored to me. It sent out a resolution letter, saying that, they re-evaluated within one business day, usually it takes up 10 business day. 

Sincerely, XXXX 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 2023-03-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: AES/PHEAA
State: MD

Complaint narrative:
In XXXX, I began my education at XXXX XXXX University. By spring of XXXX, I was experiencing some family issues that caused me to fall back in all my classes. Due to these personal issues not being resolved by summer of that year, I decided not to attend classes in the fall semester. I never received any refund nor did I attend any classes that fall. So I was under the impression as a young naive student at the time ; that the loans had been closed and I would be dropped from classes before the drop period. I would eventually officially withdraw from XXXX XXXX in spring of XXXX, without attending any classes that whole academic year. I was out of school for a while but eventually defaulted on my loans and refinanced in XXXX. I have been on an income driven payment plan since, up until the pandemic. During the time, I decided to go back to school to finish my courses and attain a XXXX XXXX at University XXXX Maryland XXXX XXXX. Upon receiving my transcript for transfer from XXXX XXXX, I noticed I had all XXXX grades for the fall of XXXX. It confused me because I never attended lectures and had assumed I would be dropped if I was not in attendance for class before drop period ended. This meant I was charged for classes I did not take in the fall of XXXX. This would also equally mean my loan has been maturing on an inaccurate principle. So I disputed this with the credit companies after failed attempts to speak to a XXXX XXXX financial advisor via phone call. I did not receive any reply but noticed after a month or so the loan was now being reported as closed on my credit. I assumed it was sorted out. The interest has grown over the years and the loan amount has now doubled. A few months ago, without notice, the loan reappeared on my credit report. This caused me to be quite confused. I am reporting this incident to see how I can proceed to get the correct documentation proving that I attended college at XXXX XXXX University the fall of XXXX and that the current loan amount is as it should be. Absent this proof, I am requesting that my loan be reviewed for a possible correction so that I am not paying what I do not owe. I am also requesting that the credit agencies provide, if possible their result of my initial investigation that I filed in XXXX, and an explanation of why the debt was removed then added again without explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: Certegy Holdings, LLC
State: TN

Complaint narrative:
Certegy check services XXXX $ check denied XX/XX/XXXX Cashed a couple before it. Denied cashing a XXXX $ check onXXXX. mailed off for my consumer disclosure report and it came back empty. So why was I turned down?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 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: MA

Complaint narrative:
I have been using Paypal for the past few years to accept payments from clients for my XXXX XXXX and XXXX XXXX XXXX. It is one of the platforms I used, and only use it about 30 % of the time. Payments via the platform typically range from $ XXXX {$6000.00}. 

This month, XXXX, three clients opted to use PayPal to complete payments for my XXXX XXXX for total balance to approximately {$13000.00}. PayPal initially held on to the funds for 3 days before they could clear. PayPal later asked for proof and documentation regarding the nature of my business and ability to provide the paid for services. I provided copies of my professional licenses and driver 's license, as well as links to my website where all the services are outlined. I also explained that the funds are retainers paid for court evaluations. However, PayPal determined that the information was insufficient. Twice they asked for more information. Each time they came back asking for more after discounting my answers. They have not identified their concerns. 

The current requests are copies of bank statements and signed contracts between myself and my clients. I have declined to provide that information, cancelled all the transactions and requested that my clients be refunded. PayPal did refund two of the transactions, but kept the funds for the third transaction of {$5700.00}. Instead, they issued a check from my business bank account linked to my PayPal account while withholding the client 's payment. 

I have requested that my funds be returned, but to no avail. Their actions are doing harm to my small business. I have been in this line of work for 8 years and have worked hard to be able to get such contracts. This back and forth with payments will cause clients to doubt my professionalism and hurt my reputation. 

I am asking for Paypal to refund {$5700.00} as its services were not used for any transactions. I no longer wish to engage with the platform and will be closing my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-28 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:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 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: Mercedes Benz Financial Services
State: TX

Complaint narrative:
In 2019 I Voluntary Repo my XXXX XXXX because I had to leave a XXXX XXXXXXXX marriage and I was unable to afford the car as my ex-husband paid the car for me. I gave the car back and let them know I was unable to pay for it. I called Mercedes Benz financial yesterday and spoke to a woman and informed her that the account shows as opened which basically appears i still owe XXXX dollars a month for a car I do not own. I asked her to tell me what happened to the car and how much did they sell or auction the car off because it is my legal right to know how much money they received for the car as they can not continue to report on my credit report that I owe this when they have already received payment for the car. The lady said she was not allowed to tell me that. I asked her how I can get this taken off my credit report and she said you need to call the company who we sold the debt to. I asked her how I can find the people that hold the debt so I can speak with them she said she didn't know and didn't have any contact information to give me. I know it is my legal right to know how much they sold the car for, and that balance should be taken off my credit report as balance owed. There were no legal or repo fees as this was a voluntary repo. I do not owe this company and this needs to be removed my credit report and considered a closed account or a charge off.

Company response to consumer: Closed with explanation