vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-25 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: IN

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. 

1. Account : XXXX XXXX XXXX Serviced By XXXX XXXX XXXX XXXX XXXX has violated my rights. 

2. Account : XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 604. 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 in accurate.

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 2022-12-25 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: IN

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 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX. Account : XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 604. 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 in accurate.

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 2022-12-25 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: CA

Complaint narrative:
Paypal banned my account on XXXX XXXX, 2021, claiming violations of their policy, but after reaching out to them via XXXX, email, and phone, I have been met with no explanation of the clause or part of their policy that I violated or any details about my situation. My account has been mainly used for friends and family transactions, and I was informed via email that my balance would be held for 6 months, and then presumably released. However, on XXXX XXXX, 2021, my balance ( {$1000.00} ) was subtracted from my account under the excuse of " damages to the Acceptable Use Policy '' with yet again no explanation or details as to how it was violated. I have been unable to gain any information or assistance from their support team, and my money has effectively just been taken from me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am submitting this complaint AGAIN! because the security freeze has still not been lifted from my consumer report from this company and this is violating my rights and maliciously inhibiting my ability to obtain credit. I would like the security freeze lifted from my consumer report today! Right Now! I included my documents to verify my identity in the complaint I submitted in XXXX and the security freeze is still in effect. I am attaching my drivers license, social security card, utility bill, and Alabama law that states this consumer credit reporting agency has XXXX minutes to lift the security freeze after being put on notice that I would like it permanently removed from my file. This my last attempt to resolve this problem before I take legal action against this company. 


-- -- -- -- -- -- -- -- -- -- -- -Below is Alabama Law -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Alabama Consumers Have the Right to Lift a Security Freeze A consumer reporting agency must authorize the release of your credit report no later than 15 minutes after receiving the above information if the request is by electronic means or by telephone, or no later than three business days when a written request is submitted. A security freeze does not apply to a person or entity, or its affiliates or collection agencies acting on behalf of the person or entity, with which you have an existing account, that requests information in your credit report for the purposes of reviewing or collecting the account. Reviewing the account includes activities related to account maintenance. Unless you are a victim of identity theft with a police report or other official document acceptable to a consumer reporting agency to verify the crimes, or you are 65 years of age or older, a consumer reporting agency has the right to charge you a fee of no more than ten dollars ( {$10.00} ) to place a freeze on your 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 explanation
Consumer complaint received 2022-12-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
CapitalOne on XX/XX/2022, froze my checking account and closed my account. I came into a branch and a teller had to call someone and they asked me questions pertaining to my account activity. I answered honestly that I had moved some money from my XXXX to my checkings account to pay a bill. They stated that the name on my XXXX did not match my legal name. I tried explaining to them it was an alias but after a while of waiting they decided to " end our banking relationship '' they had informed me that they would cash out my account excluding the {$2000.00} that I transferred from XXXX. I asked how long before the funds would be released to me, they responded by saying they could not say and that they may contact me if they need anymore information. 
It is now XX/XX/2022 I have not received any contact from Capital One, my checking account is still open with them but I am unable to access my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25 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: AZ

Complaint narrative:
Hello I sent a letter on XX/XX/2022 to the XXXX Credit Bureaus : Experian, XXXX and XXXX. The letter was sent via XXXX XXXX mail and the tracking number is XXXX XXXX XXXX XXXX XXXX XXXX I asked them to remove my personal information that is inaccurate on my credit report. They have multiple old addresses on file that do not belong to me as I do not live there. 

According to the fair credit reporting act 12 USC 1681, I have the right to privacy and also according to 15 USC 6802, no financial institution is supposed to share my information with third parties.

These are clear violations of my federally protected consumer rights.

I have attached the letter I sent them as well as proof of identification and proof of my current address. I have also attached my identity theft 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 2022-12-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
This account has never been late

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 2022-12-25 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: LA

Complaint narrative:
I've noticed a lot of inquiries on my credit report the only ones show be XXXX XXXX XXXX XXXX  ones and XXXX nothing else I've dispute with exsperan but denied to remove I've been a victim of data breach with XXXX XXXX and XXXX  can u please help me get this off my credit reports thanks

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 2022-12-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
This account has never been late

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Spring Oaks Capital, LLC
State: IN

Complaint narrative:
This account has never been late

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25 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: Nelnet, Inc.
State: PA

Complaint narrative:
On XX/XX/2022, I submitted a complaint regarding a federal student loan account that is serviced by a company named Nelnet. The reason for my initial dispute with this company as well as XXXX, was against the inaccuracy, incomplete and unverifiable information that is being reported on my consumer report pertaining to payment history. I submitted a complaint to Nelnet, XXXX, XXXX and XXXX. I am still awaiting the results of my dispute and investigation from XXXX and XXXX. However my case was closed by Nelnet and XXXX and deemed as accurate. My question to Nelnet and XXXX is how did you come up with the findings of your investigation? I asked in my previous complaint to be mailed with any and all documentations proving your claims, which you guys failed to do. My second question is how could a violation of the law be accurate? According to Cornell 's law, U.S. Code 1681a 2 ( a ) ( i ) it clearly states that transactions and experiences between the consumer and person making the report should NOT be included on a consumers report. Please explain to me why you feel you are above the law? I have also brought your unlawful acts to my attorney generals attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I have $ XXXX with Capital one and they are failing to pay the advertised interest rates. They told me on a recent recorded phone call that their calculation is ( Account Balance Interest Rate 365 days in the particular month ). If this is true, they have been shorting me over {$100.00} per month. No matter how you calculate it, they are giving more than a quarter percent LESS than their advertised APY. This is criminal and should be investigated, not just for my account but everyone 's savings account. No one should have to worry that Capital One is shorting them on their interest balances. Every representative I spoke to said they can't explain why it's less and they are not allowed to give me the actual dollar amount I'm supposed to receive. This also means I am missing out on compounding interest for every month that they give me less than they should. They need to adjust the balance NOW to correctly reflect the interest I was supposed to be paid based on my account balances and also account for the missed compounding interest and pay me the difference. This also needs to be rectified to prevent this from happening in the future. Reporting to the OCC as well. It's not unreasonable to ask to be paid the rate they are advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25 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: AZ

Complaint narrative:
Hello I sent a letter on XX/XX/2022 to the 3 Credit Bureaus : XXXX, XXXX and Transunion. The letter was sent via USPS Certified mail and the tracking number is XXXX XXXX XXXX XXXX XXXX XXXX I asked them to remove my personal information that is inaccurate on my credit report. They have multiple old addresses on file that do not belong to me as I do not live there. 

According to the fair credit reporting act 12 USC 1681, I have the right to privacy and also according to 15 USC 6802, no financial institution is supposed to share my information with third parties.

These are clear violations of my federally protected consumer rights.

I have attached the letter I sent them as well as proof of identification and proof of my current address. I have also attached my identity theft 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 2022-12-25 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: AZ

Complaint narrative:
Hello I sent a letter on XX/XX/2022 to the 3 Credit Bureaus : XXXX, Equifax and XXXX. The letter was sent via USPS Certified mail and the tracking number is XXXX XXXX XXXX XXXX XXXX XXXX I asked them to remove my personal information that is inaccurate on my credit report. They have multiple old addresses on file that do not belong to me as I do not live there. 

According to the fair credit reporting act 12 USC 1681, I have the right to privacy and also according to 15 USC 6802, no financial institution is supposed to share my information with third parties. 

These are clear violations of my federally protected consumer rights. 

I have attached the letter I sent them as well as proof of identification and proof of my current address. I have also attached my identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25 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: NJ

Complaint narrative:
In accordance with the 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

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 2022-12-25 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: NJ

Complaint narrative:
In accordance with the FAIR COLLECTIONS & OUTSOURCING Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25 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: NJ

Complaint narrative:
In accordance with the 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

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 2022-12-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/2022, I received a notification from XXXX XXXX about a hard inquiry made on my XXXX and XXXX credit reports. I immediately called Capital One to make a complaint, but I shuffled around to multiple departments and ultimately told I had to write a letter to them ( Capital One ) about the fraudulent credit card application. I then called XXXX and XXXX and I was told a different process ; they said I had to write a letter to them, along with a letter of " deletion '' from the creditor. However, when I called Capital One back to inform them of this information, they insisted that they do not provide such letters to people. I called Capital One back again and I was told by a representative in the fraud department that they'd report the fraudulent inquiry back to the credit bureaus and that I would have to wait 30-60 business days for it to be removed. I tried filing three fraudulent disputes with XXXX : one on XX/XX/XXXX ; XX/XX/XXXX, and XXXX. All three were determined to be " verified as accurate, '' which means it was done by me, and that's a completely false finding. My XXXX XXXX has dropped significantly due to this fraud. I have been unable to receive any assistance from Capital One ; they won't even tell me what's on the application per their " policy. '' This credit inquiry is completely fraudulent! It should be removed immediately if Capital One reported it promptly to the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/2022, I submitted a complaint regarding a federal student loan account that is serviced by a company named XXXX. The reason for my initial dispute with this company as well as Equifax, was against the inaccuracy, incomplete and unverifiable information that is being reported on my consumer report pertaining to payment history. I submitted a complaint to XXXX, XXXX, Equifax and XXXX. I am still awaiting the results of my dispute and investigation from XXXX and XXXX. However my case was closed by XXXX and Equifax and deemed as accurate. My question to XXXX and Equifax is how did you come up with the findings of your investigation? I asked in my previous complaint to be mailed with any and all documentations proving your claims, which you guys failed to do. My second question is how could a violation of the law be accurate? According to Cornell 's law, U.S. Code 1681a 2 ( a ) ( i ) it clearly states that transactions and experiences between the consumer and person making the report should NOT be included on a consumers report. Please explain to me why you feel you are above the law? I have also brought your unlawful acts to my attorney generals attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/2022, I received a notification from XXXX XXXX about a hard inquiry made on my XXXX and TransUnion credit reports. I immediately called XXXX XXXX to make a complaint, but I shuffled around to multiple departments and ultimately told I had to write a letter to them ( XXXX XXXX ) about the fraudulent credit card application. I then called XXXX and TransUnion and I was told a different process ; they said I had to write a letter to them, along with a letter of " deletion '' from the creditor. However, when I called XXXX XXXX back to inform them of this information, they insisted that they do not provide such letters to people. I called XXXX XXXX back again and I was told by a representative in the fraud department that they'd report the fraudulent inquiry back to the credit bureaus and that I would have to wait XXXX business days for it to be removed. I tried filing three fraudulent disputes with XXXX : one on XX/XX/XXXX ; XX/XX/XXXX, and XXXX. All three were determined to be " verified as accurate, '' which means it was done by me, and that's a completely false finding. My credit score has dropped significantly due to this fraud. I have been unable to receive any assistance from XXXX XXXX ; they won't even tell me what's on the application per their " policy. '' This credit inquiry is completely fraudulent! It should be removed immediately if XXXX XXXX reported it promptly to the credit 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