vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-10 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: MD

Complaint narrative:
To whom it may concern On XX/XX/XXXX I received the dispute for the investigation from Experian as the inaccurate account has been verified and updated from 3rd party collection agencies. In pursuant to 15usc1681a ( e ) investigative consumer report is there has to be an individual relating to me the consumer, whether it is neighbor, associate, and friends of the consumer who were interviewed about the knowledge of the account on my consumer report. Specific factual information is not included in part of the investigation of my consumer credit record, so the 3rd partys verification is not factual information. What is their method of verification? Who did they interview? What is his/her name? What did the individual say? If they do not have a specific individual being interviewed, then they have no method of verification. With no method of verification there is no evidence, failure to provide this information has broken the law and in violation of my right to privacy under congressional findings and statement of purpose. Then Experian would have to delete this account from my consumer report. Since the their of verification is not factual then I want " US DEPT OF EDXXXX '' DELETED FROM MY CONSUMER REPORT,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I received an email that was very legit looking from the email address XXXX from the user PayPal LLC that said I had an invoice of {$500.00} that I owed. I knew that I owed nothing so I XXXX it and found out that its a scam but its so believable that many people fall for it. I forwarded it to XXXX to report it and now Im reporting it here. We need to fight these scammers so that others wont be duped. I know this is not from PayPal but I dont know who its from so I have to alert PayPal that its happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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: SC

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have a fraudulent charge on my bankamericard credit card from Bank of America in the amount of {$3800.00} from XXXX STORE # XXXX XXXX FL according to Bank of America my claim was denied because I have previous history with the merchant which is not true I need to file a chargeback against this charge or I am going to report this to the federal trade commission as identify theft because my identity was used for this charge and have this credit card remove from my credit profile immediately

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 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Credit Karma, LLC
State: MI

Complaint narrative:
Credit Karma was telling me I was pre- approved for all this credit cards that Ive never even heard of the company and they tell me it will boost my credit score if I get a new credit card but there is deposit fees on these credit cards and they deny me after credit karma states i would be approved so it brings down my credit score because I applied and was denied. This has happened more than once as I am still trying to get my credit score up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Unauthorized credit inquiry into my Equifax credit report. My report was locked. I rexeived a letter stating they required me to unlock and provide additional information. I did not comply or respond. 

The inquiry is unauthorized and not legal

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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: PA

Complaint narrative:
I currently have Unauthorized inquiries appearing on my credit report and Three Fraudulent collections.

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 2023-02-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My wife, XXXX XXXX and I had Traditional IRA and Roth IRA accounts with Capital One bank. Without our knowledge, our accounts were transferred to XXXX XXXX XXXX in Illinois. The company has been charging Predatory fees for maintaining accounts and mailing statements. 

Each account was charged {$35.00} maintenance fees and {$10.00} mailing fee ( total of {$90.00} for each of us ... {$180.00} in total ). They refuse to credit the account for the fees. The were charged for the year 2022. 

When I asked to have our accounts transferred to XXXX, they said, each account will be charged {$25.00} ( total {$100.00} ) for our four accounts. 

We have not received any communication from Capital one or XXXX XXXX company. We would not have approved this we knew about this predatory charges. We are totally helpless. 

I read XXXX complaints and reviews about XXXX XXXX company which echo our feelings. 

They told me they are not regulated by any Federal agency and are only regulated by State of Illinois. 

We are asking for refund of are fees and waiver of transfer fees to XXXX ( Total of {$280.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FIRST NATIONAL BANK OF OMAHA
State: VA

Complaint narrative:
I never signed or requested an ibquiey into my credit report by XXXX XXXX on XX/XX/2022.

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 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, 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: VA

Complaint narrative:
I never signed or requested an ibquiey into my credit report by XXXX XXXX on XX/XX/2022.

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 2023-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
I was looking over my emails when I noted a message from TD bank that informed me that my account was ready for my first deposit. The account had been opened yesterday, XX/XX/2023 using my email of XXXX. I had not opened a new banking accounts and did not use my email and evidently the account was opened using my social security number. There had been no deposit as of this morning XX/XX/2023. I called TD bank as soon as I saw the bank notifying me that my account ( per-se ) was ready for my deposit. I had not known of this bank or its name until today. TD banking has closed the account opened in my name and my social security number. The account was immediately closed and I was informed by TD bank that my identity had been stolen. The bank has sent a notice to their customer fraud account. I was informed that I would receive a letter in the mail giving me information as to the fraud and that TD bank does an investigation as well as reporting this to consumer crediting monitoring that the bank has for such instances. I was directed to file a report with the FTC that lead me to this site to report stolen identity. TD banking has given me a year of free credit monitoring but also recommended that I purchase an account elsewhere for credit monitoring as TD bank took a few weeks to start. I notified my husband of this occurrence. If needed I have the last four numbers of the checking account whereas I had my identity stolen. The TD banking was helpful and informative. I was also was told that it would be a good idea to close my aol account to further more protection. I never give out my social security number or show the card to anyone except the IRS or if I am at the SOCIAL Security office so I am at a loss to understand how this can happen but TD bank said there are more than 10,000 identities per month in the United States.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: PA

Complaint narrative:
I was taking Money out of the ATM XXXX at XXXX XXXX, the money was sucked back into the ATM amd not returned to the account?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2023, I did an ACH transfer from my XXXX into my USAA account. USAA put the {$700.00} on hold without explanation or warning. This is not acceptable as pay my bills on time and need this money. I need USAA to refund any fees that are incurred as this situation was not created by me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I disputed to TransUnion that a collection account just popped up in their report and after waiting a month they did nothing but tell me they confirmed the information and will not remove it. At the same time I disputed with the collection agency and they provided me with paperwork which clearly states another entity and dates which do not belong to me. TransUnion never did a dispute, they claimed they did, yet I have the proof they didnt. The reason is that they make money having negative information on people so they can sell their services on fear.

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 2023-02-10 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: CT

Complaint narrative:
I am writing to dispute fraudulent activity on my consumer account. I am a victim of identity theft, I am a federally protected consumer and I did not provide consent to any of the reporting agencies listed above to list information on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
Allys customer service truly XXXX! I was approved for a credit card about 2 weeks ago and today when I called, the customer service rep I spoke with refused to give me any account information even though I am the account owner. I explained that I was approved for the card and received a notification stating that I would receive a card in 7-10 business ; with the contingency that it make take longer because of delays the company was experiencing. The agent I spoke with could have cared less! I asked for my account number because this wasnt given to me and she said no, stating it was company policy. I asked when was I going to receive my card and she said it was mailed on XX/XX/2023. I asked for the tracking number and she said I cant provide you with this information because USPS doesnt provide tracking numbers. I asked why I was having issues with setting up the app, and she advised you will have to wait to activate your card and then you will be able to set up the app. WHAT KIND OF YANKEE DOODLE, ANTIQUATED, OUTDATED COMPANY IS THIS???!!! At this point, Im not sure I really want an account because of the lack of competence in relation to customers being able to access their account information after they have verified their account! I feel like the person I spoke to simply didnt want to do her job and instead lied to me ( i.e. treated me like a crash dummy ) because 1 ) once your account is verified most companies will provide you with your account information, 2 ) USPS provides tracking numbers on postal mail so that you can track your document and/or package dependent on how it is shipped, and 3 ) when customers call in they shouldnt have to keep asking for additional information because agents do not want to do their job! I also asked the agent to verify my address to make sure it was being shipped to the right address and even with this simple request, I had to ask multiple times!! My experience thus far, has been the equivalent of a clown show! I definitely will not be wasting time referring anyone to engage/or give Ally their business because it is simply not worth it!

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 2023-02-10 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: SC

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-10 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: PA

Complaint narrative:
I currently have Unauthorized inquiries appearing on my credit report and Three Fraudulent collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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 Account : XXXX Account : XXXX XXXXXXXX Account : XXXXXXXX XXXX XXXX XXXX  15 U.S.C 1681 Section 602 A. States I have rights 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 items of information, other than records of conviction of crimes which antedates the report by more then seven years.

25 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to Consumer Reporting Agency if 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 2023-02-10 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: EQUIFAX, INC.
State: NY

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 Section 602 A. States I have rights 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 items of information, other than records of conviction of crimes which antedates the report by more then seven years.

25 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to Consumer Reporting Agency if person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc

Complaint narrative:
I created my PayPal account in the year XXXX and I'm doing an smooth transactions with my clients international with goods and services offered but last XX/XX/XXXX, PayPal management permanently banned my account without asking for any information what I've done wrong even though I complied all their legal agreements.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief