vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I received a notification that Bank of America made a hard inquiry on my account. I did not authorize this inquiry nor do I intend to open a credit card with Bank of America.

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 2022-11-03 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: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
The back policy is that if the withdraw is over the fund balance there will not be overdraft. This was the case for all the history of this checking but on XX/XX/2021, the bank allow XXXX withdraw illegally resulting in {$7000.00} or so overdraft. This is against the banking rule.

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 2022-11-03 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 sent a letter out on XX/XX/XXXX to Experian, XXXX, and XXXX. However, it's been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 

The disputed account : XXXX XXXX XXXX  XXXX XXXX {$520.00} According to the law 15 U.S. Code 1681i - If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

This matter is a violation of my rights and I would like this account deleted from my account on these bureaus.

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 2022-11-03 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: CA

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

Account name XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 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 2022-11-03 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: TN

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 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 2022-11-03 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: TN

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 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 explanation
Consumer complaint received 2022-11-03 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: CA

Complaint narrative:
the collection account in my report, the name of the account XXXX is reporting on my file and this account dose not belong to me the original creditor is XXXX XXXX account no is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
Consumer name : XXXX XXXX ( spouse ). Re : Old Navy credit card account, account ( card ) number XXXX XXXX XXXX XXXXXXXX, Expiration date XXXX. Payment of {$2700.00} was sent to Old Navy on behalf of Consumer by XXXX XXXX XXXX XXXX on XX/XX/XXXX. Check number was XXXX, XXXX XXXX ID is XXXX XXXX XXXX, XXXX Account Number is XXXX. Payment was received, processed, and endorsed by XXXX XXXX for Barclays on XX/XX/XXXX, but has NOT been posted to the credit card account as of XX/XX/XXXX. Consumer contacted Old Navy " customer service '' twice, once each on XX/XX/XXXX and XX/XX/XXXX. Customer service for Old Navy is located at an " offshore '' location ; their personnel were unable to verify that the payment had been received by Old Navy 's bank ( s ). Consumer offered to fax evidence ( copy of endorsement ) to them, but they declined, stating that they would not be able to physically receive it. Endorsement reads : " XXXX XXXX Bank XXXX XXXX at XXXX XXXX Bank XXXX XXXX XXXX XXXX BARCLAYS XXXX ''. It was dated " XX/XX/XXXX '', with " sequence '' number " XXXX '', back to 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 2022-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I applied for a credit card online with Dicks Sporting Goods which Synchrony Bank issues. I received today, a denial from Synchrony Bank stating that the request was denied for the following reason ( s ) : Unsatisfactory payment history with Synchrony Bank. I currently have numerous cards with Synchrony Bank and show ZERO delinquent payments. I called Synchrony 's customer service and spoke with five different representatives that can not find what generated this letter. After being transferred to 5 different customer service representatives in which each was unable to help me, I have decided to fill out this complaint form with your organization to help me find out any problems with my account that generated this denial letter.

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 2022-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation
State: CA

Complaint narrative:
Received debt collection letter dated XX/XX/2022. For debt incurred in XX/XX/2022 through XXXX XXXX in Texas. Address XXXX XXXX XXXX XXXX Texas XXXX. I have never lived in XXXX. I live in XXXX  and have lived here all of my life. I am currently a XXXX XXXX in the XXXX XXXX XXXX 
I have a background check done twice a year. The amount incurred is $ XXXX This is my XXXX claim for credit fraud in other states as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiries deleted or updated. These are the items I demanding to be deleted immediately : 1. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. Did not consent to unauthorized inquiry XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. Did not consent to unauthorized inquiry XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. Did not consent to unauthorized inquiry XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. Did not consent to unauthorized inquiry XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. Did not consent to unauthorized inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. Did not consent to unauthorized inquiry XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12. Did not consent to unauthorized inquiry XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

13. Did not consent to unauthorized inquiry XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

14. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

15. Did not consent to unauthorized inquiry XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

16. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

17. Did not consent to unauthorized inquiry XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

18. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit 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 non-monetary relief
Consumer complaint received 2022-11-03 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: NJ

Complaint narrative:
I have called & mailed letters to XXXX XXXX Experian about XXXX accounts ( XXXX & XXXX ) that is being reported on my credit file that I have late payments on a charge off account. Both the " charge off '' and the " late payments '' reporting are inaccurate and have caused me extreme difficulties my everyday life. I have made several attempts to remind them of their duty of code 15 USC 1681a ( d ) which states as a consumer I am due, promised accuracy & fairness on my credit report based on federal law. per 15 USC 1666b late payments are illegal so are late payments. Per the IRS publication XXXX of debt are to be reported as income on on form 1099C. So why is income being reported on my credit report. a company can not report both income and a debt, I request them to remove these 2 accounts or update good standing as it is still reporting inaccurately. Plus all remove all old address my one and only address is XXXX XXXX XXXX, XXXX, NJ XXXX also to remove from my file any inquiry that is not attached to an open account.

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 2022-11-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I previously filed case number XXXX to which Mr cooper responded with a respa response to notice of error. They also claimed to have sent corrective paperwork to HUD and that i needed to wait 3 weeks to get an update and for hud to clear the partial claim lien recorded. 

It has been 3 weeks now and I have discovered that I WAS in fact lied to and based on the tracking number provided to me in the previous case it has been determined that nothing was in fact sent to HUD. I also confirmed this with a manager at Mr cooper who stated that it was beyond her control. 

At this point I am being insulted and am beyond furious. I will begin to file a civil lawsuit for dmages up to the max amount allowed as this issue has been a thorn in my side since XXXX and it is disgusting that they used a RESPA notice to try and weasel out of resolving this and then slow rolling. 

I am demanding that this issue be escalated and resolved within 7 calendar days otherwise i will file as many lawsuits as humanly possible including any form of class action suit i can legally file to get this handled and get my money back. This is a joke of a company and i wish my loan was never passed on to them. it is disgusting that they have been able to operate this way and for so long and i cant imagine how many other innocent families have been harmed by their careless antics. 

I am out XXXX because of their negligence and in this economy that is not small change. on top of that, let it be the other way and i'm sure they would do everything in their power to make sure i was homeless because thats how corporate greed works. 

Here is the tracking number provided in the previous case and here is a screenshot from XXXX  showing nothing having been done.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
In response to initial complaint with this company on XX/XX/XXXX, XXXX XXXX XXXX stated : " We sent our initial notification letter to you on or about XX/XX/XXXX. We take compliance with all applicable state and federal laws very seriously. We found no records supporting your allegations of misconduct, including, without limitation, that XXXX used deceptive practices. We have no record of a request or a dispute being received in relation to our initial notification letter. Our records reflect that we subsequently received, investigated, and appropriately responded to several disputes regarding the account. In response to those disputes, we sent you the attached letter containing validating documentation from the original account. We believe that no further steps in response to your complaint or follow-up actions are required at this time. '' This is not true. I have as evidence two return receipts from the post office where I sent request for validation from Portfolio Recovery Associates. Those receipts were signed by someone in their office. This goes to show that Portfolio Recovery Associates is not an ethical company, as they would falsely state that they have no record of a request or dispute being received in relation to their initial notification letter. 
Also, the letter that I previously listed from Portfolio Recovery Associates states that they letter that they sent was in response to the account listed above. 
Also, the original letter that they sent did not state that I had 30 days to dispute the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: MO

Complaint narrative:
ACCOUNT # XXXX Date Opened XX/XX/2020 I have contacted the XXXX XXXX XXXX myself, and they have failed to validate that this is indeed mydebt. I have copies of my requests to XXXX XXXXXXXX XXXX, asking them to validate the debt, as well as the receipts showing I sent them a letter by certified signature request. I was given no evidence of my obligation to pay this debt to these collection agencies. That is because this alleged debt does not belong to meXXXX XXXX XXXX  was unable to provide me with the original contract with my signature because no such exist. With no proof of this alleged debt belonging to me as a consumer EXPERIAN you must delete from my credit report immediately. 

Plus XXXX XXXX XXXX has provided you with a false and misleading medical account with my name attached to it. You are also not supposed to share anyones medical information without their authorization. So you have now shared someone elses medical information cost and locations on a strangers CREDIT REPORT..which is me. WOW! EXPERIAN You have really dropped the ball on this one. This account is not reporting 100 % accurate. You also failed to even note that I the consumer disputed this account. you are really not following the rules. You have the nerve to not even notate that is account was disputed by ME on my own credit report. So EXPERIAN you now get to pick and choose what YOU want to furnish on my credit report? I know that you choose to report negative information because you make twice as much as good information when selling consumers information to businesses and corporations such as yourself EXPERIAN.

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 2022-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
To whom this might concern, My PayPal account is now permanently limited and currently has more than {$1100.00} that I couldn't withdraw for 180 days. 
On XX/XX/2022, at XXXX XXXX, I received an email from PayPal, with the title " You can no longer do business with PayPal ( Ref ID - XXXX ) '' and there was no in-depth explanation why. 
On XX/XX/2022, at XXXX XXXX, I emailed XXXX to inquire about the reason and seek help. No response was made for this attempt. 
On XX/XX/2022, at XXXX XXXX  I emailed XXXX to inquire about the reason and seek help. No response was made for this attempt. 
On XX/XX/2022, at XXXX XXXX I emailed XXXX again with more explanation on my side, hoping that someone can reply. No response was made for this attempt. 
On XX/XX/2022, at XXXX XXXX, I emailed XXXX again with more explanation on my side, hoping that someone can reply. This time I received an automated reply, but no other than that. 

All of my attempts to contact PayPal regarding my PayPal account were met with unhelpful responses. 

XXXX, CFPB can help escalate this issue to PayPal, I really hope to get my accounts back and continue my relationship as a customer with PayPal Inc. 
I have been nothing but respectful toward the company and would really appreciate it if they can resolve this issue. 
I will attach as many documents as possible ( my attempts to contact the company through emails ) I appreciate all the help and response I could get, thank you very much.

Company response to consumer: Closed with explanation