vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-27 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: TX

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.

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 2024-01-27 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: TX

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.

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 2024-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX I was a victim of identity theft and someone tried unsuccessfully to apply for a credit card in my name. This was report and fraud alert issued but trans union is not removing the hard inquiry affecting my credit. I never applied for a XXXX XXXX XXXX credit card and I should not have my credit score affected because someone stole my identity.

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 2024-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I have received 3 letters from Wells Fargo addressed from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX of XXXX. Two letter written on XXXX were same. I have decided to file them because of the suspicion of fraud. The logo marks were black, even though other 5 letters from Wells Fargo XXXX XXXX XXXX, XXXX XXXX, IA XXXX ( XXXX XXXX XXXX XXXX ). Also, these 5 letters from XXXX XXXX have the barcodes and scan codes.

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 2024-01-26 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: MO

Complaint narrative:
Shopping Mortgage rates. I was reviewing my credit report. While reviewing my report there were numerous credit inquiries from a company XXXX, XXXX, and XXXXXXXX XXXX XXXXXXXX.

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 2024-01-26 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: RI

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.

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 2024-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Comerica
State: CA

Complaint narrative:
On XXXX XXXX 2023 a charge was made in XXXX, PA for {$9.00} on my Direct Express debit card and on XXXX XXXX 2023 another charge was made in XXXX, PA for {$150.00}. I live in California and no one other than myself had access to my card or account.. Both these charges were not made by me nor did I approve them. They were both fraudulent charges. I tried numerous times to explain to Direct Express that the charges were fraudulent and not made by me and I demanded my money back. After numerous attempts they got back to me and said they will not reimburse the funds. They also charged me {$17.00} twice for a new debit card and express mailing fees. I feel that is not right, I am on Social Security and its a very limited income. I would appreciate if you could look into this matter for me. 
Thank you Service Request # XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
where and what account # it was refunded, i also would like to clarify that this trasaction was ( PAID using CASH that is why there is no record of purchased, But merchant Did a MANUAL refund on ( XX/XX/XXXX, XXXX ) time XXXX employee 's Name that initiated th refund was ( XXXX on the debit ( XXXX ) ACCt ( XXXX ) Refund Authorization # XXXX additional proof below will be attached i also have the email From BMO bank in XXXX XXXX XXXX XXXX  XXXX XXXX proof that he had work with the back office to check on this matter, and confirmed that there is a refund but it was iniated as pending refunding ( All additional proof below will be attached, kindly pls check, hope you can assist me with this matter, as this bank take 's months to resolved issue, it is only now that i got CFPB involved that they are quick to response.

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 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Hello, my name is XXXX XXXX. This statement is being composed by me. Per the Fair Credit Reporting Act, accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B : the permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency can furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN instructions of the consumer to whom it relates. I NEVER GAVE this consumer my INSTRUCTIONS OR WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT! 

I am demanding removal of these listed accounts ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Hello, my name is XXXX XXXX. This statement is being composed by me. Per the Fair Credit Reporting Act, accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B : the permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency can furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN instructions of the consumer to whom it relates. I NEVER GAVE this consumer my INSTRUCTIONS OR WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT! 

I am demanding removal of these listed accounts ; XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
For the 2nd time experian rep XXXX who has absolutely no power to do anything or even look at most things called again and went on about 2 disputes that are about to expire and she wants to talk about them, RESEARCH SHOWS THIS IS A TACTIC THIS FRAUDULENT COMPANY USES TO SHOW SOME KIND OF CONTACT,. I REFUSE TO GIVE MY FULL SOCIAL SECURITY NUMBER TO A PERSON WHO BARELY SPEAKS ENGLISH AND CAN DO ABSOLUTELY NOTHING TO HELP ME, FORWARDED TO 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 2024-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
In my previous complaint : " XXXX '' I put the wrong email, I put XXXX, when the correct email is : XXXX. XXXX from the : " PayPal 's office of executive customer advocacy '' had called my phone ( XXXX ) at random hours, leaving no return phone number or email where I can attempt to reach him back at to discuss this issue. This has been the same experience for all contact attempts by " PayPal 's office of executive customer advocacy '' since XX/XX/2023 and Ive never actually been able to speak to anyone this department. 

account : XXXX card # : XXXX My Paypal XXXX card does not show as a payment option when I checkout with Paypal. Ive had this issue since XX/XX/2023. PayPal and XXXX both refuse to acknowledge the issue and continue to point fingers at each other saying : " Its not my fault, its there fault! ". Both refuse to help and have been displaying incredibly unprofessional and apathetic images for their companies. I have spent over 100 hours on this, about 80 phone calls, dozens of emails, letters and CFPB complaints : ( XXXX, XXXX, XXXX, XXXX, XXXX ) - I will continue to contact you until someone acknowledges this card is not working and fixes it. 

Ive also attached : 1 ) a document from : XXXX XXXX " Senior Specialist Corporate Consumer Relations '' at XXXX XXXX  confirming this issue is Paypals fault so please do not skirt the problem and blame XXXX  again. 

2 ) XXXX form Paypal 's last CFPB complaint response he sent me. 

If I do not get a response from Paypal, or Paypal blames XXXX  again or if PayPal 's office of executive customer advocacy calls me at random hours without giving me a direct line or email to call you back ( The generic low level paypal phone support number you provided is of no use and you can not be reached there ) I will also start sending letters to the legal address of Paypal that XXXX  provided me, and referencing all these past cases and names of people I have dealt with who do not seem to care about this problem ive been dealing with since XX/XX/2023. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: 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:
Filed a dispute for transactions that were not mine and was denied and the documents the transactions on my account that was disputed was not consistent with my purchase history

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 2024-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: AK

Complaint narrative:
The Discover credit card app and website showed a running balance that was {$230.00} less than shown on my statement. The balance I was shown on XX/XX/XXXX was {$9200.00}. The card issuer claims that based on my statement it was {$9400.00}. My Discover account consistently showed me a running and current balance based on the {$9200.00} starting XXXX XXXX throughout the month as transactions were made. 

After my last transaction of the statement period on XX/XX/XXXX, I was given a balance of {$8700.00}. 
The day prior to my statement being issued my current balance jumped to {$9200.00}. {$200.00} of this jump is accounted for by interest charges, leaving {$230.00} unaccounted for. I took screenshots of my running balance and all transactions for this month. 

I contacted Discover in the morning on XX/XX/XXXX prior to the statement being issued. They informed me I would have to wait until the statement was issued later that day to receive any help on the issue. After the statement was issued, any running balance information was no longer shown on the app. The screenshots taken are from prior to the statement being issued. However, there was no transaction before or after then besides the {$200.00} interest charge. 

I contacted them again after it was issued. I explained the situation and offered to send the screenshots showing that they had consistently been misrepresenting my balance to me. I was originally told they are unable to accept screenshots. After later being transferred to a supervisor, I was given an email to send them to. The supervisor then claimed that the email was not received. I called the Discover help center, after being transferred 5 times, I was told all they could do was put a notation on my account saying I had been misinformed about my balance. After spending over XXXX hours trying to resolve this issue with them, Discover offered no explanation, no way to ensure my statement was actually correct, and no way to know that the current balance shown would be correct in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
Keep getting numerious calls that call either early mornings or late past XXXXXXXX XXXX & letters in the mail with this agency. They have yet to provide proper documentation for proof of agreement with my signature or contractual agreement for CREDIT COLLECTION SERVICE.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
I opened an account with First National Bank of Omaha ( FNBO ) on XX/XX/XXXX and they ran my credit and I was approved for {$8500.00} dollars. As of XX/XX/XXXX FNBO decreased my limit to {$3700.00}.

I have a balance owed of {$3300.00} with an available balance of {$320.00} Which by far has trickled a BAD RESULT with all credit companies CREDIT COMPANIES. If I apply for credit I am denied ENDLESSLY and they have RUINED my CREDIT FOREVER.

FNBO decision was not based on non payment or late payments.

FNBO decision was based in part on a scoring system that was used to predict your creditworthiness? 
This was all started by First National Bank of Omaha The reasons are : : : : Total monthly payments on open credit card accounts Current payments amount as % of amount due Number of revolving trades with a balance NEVER BEEN LATE ON ANY OF MY CREDIT CARD PAYMENTS WITH First National Bank of Omaha OR FOR THE MOST PART ANY OF MY CREDIT CARDS. 
IN ORDER TO OPEN AN ACCOUNT WITH XXXX THEY RAN MY CREDIT AND MY SCORE WENT DOWN AND I HAD AN INQUIRY STAYED ON MY ACCOUNT FOR 2 YEARS? 
Attached bank statement from XXXX of XXXX and letter from them showing decrease in credit limit. 


They have definitely been successful with RUINING my credit by decreasing my AVAILABLE credit. 

What justifies them to decrease my account balance if I do not have non payment or I am not late on my credit card payment?

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 2024-01-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
XXXX XXXX Capital One employee in fraud asstance not speaking clear about transaction with my Credit card.Capital one Walmart rewards MasterCard credit card..I mentioned to the employee about charge.She said i get XXXX in temporary credit on my card with in 2 -5 days? Well its here it is XXXX XXXX my balance i owe is XXXX  and Available is XXXX} with XXXX credit limit?? Well i never got my refunded back from Wal-Mart XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Utah XXXX is where i shopping at and paid them with my Credit card i got approved .Item been returned on XXXX XXXX and they said i must wait 10days for refunded.They ship with XXXX  to Ohio..When they get it i must wait more days about 10days, and my receipt has something wrong i mentioned at Wal-Mart, the refunded going on wrong credit card its not mine last 4digits XXXX, ..It was not used for purchasing my last 4digits XXXX, and my refunded should be credit to card.As of today its XXXX XXXX my purchase item is sitting in XXXX XXXX XXXX, Utah since XXXX XXXX and it is XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  is sitting on our returned item.Capital one supposed give my refunded back over 17days ago credit to my account, i check today XXXX XXXX not available yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 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: TX

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.

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