vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXXXXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose THIS ACCOUNT IS LINKED TO AN ADDRESS I NEVER LIVED AT.

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 2022-07-27 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: National Credit Systems,Inc.
State: TX

Complaint narrative:
I filed XXXX disputes against National Credit Systems regarding a collection attempt for the XXXX XXXX. Per court order, my amount owed is {$920.00} in back rent. This also happened in 2017, which is outside of the Texas statute of limitations. All communication from this debt collection company has not stated this. When submitting the dispute, nothing was ever updated or corrected by the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Payfare International Inc.
State: GA

Complaint narrative:
I currently work XXXX XXXX XXXX XXXX XXXX XXXX and they have available a prepaid debit card XXXX XXXX XXXXXXXX XXXX XXXX which is operated by Payfare. On XX/XX/XXXX my debit card was charged {$86.00} by a company called XXXX but this charge was not familiar to me and I had never heard of XXXX. I immediately contacted XXXX XXXX customer service to report my card lost/stolen and ordered a new card. I was instructed by customer service to attempt to resolve the charge dispute with the merchant ( XXXX ) first so I did call them and spoke to a rep for about 30 minutes and found out that not only was I charged {$86.00} on XX/XX/XXXX, but I was previously charged {$110.00} on XX/XX/XXXX but never noticed the fraudulent charge to my debit card. After speaking to the XXXX rep we found that the charges came from the payment of a smartphone ( XXXX ) and service payment for a family member that had previously visited my residence during that time period. So obviously this family member obtained my debit card information without my consent and used it to purchase the smartphone. What they did with it I don't know. But XXXX said that they could not refund my money and that I need to file a dispute with my card company. So I contacted XXXX XXXX again with a completed dispute form and screenshot of my call log to prove that I contacted XXXX. After submitting this information via email a representative sent a reply stating " your claim does not qualify for a refund as the transaction ( s ) does not fall within the Zero Liability Protections outlined in the cardholder agreement, which can be found in your app under Legal from the main menu of the XXXX mobile app. '' After reading XXXX that same part of the cardholder agreement, it clearly states that zero liability applies when someone transfers money from my account without my permission. They told me, Zero Liability coverage does not apply where you do not use reasonable care in protecting your card from loss or provide access to your card to another individual. Although the person responsible is a relative I used the same amount of protection that I would use in public. I don't leave my card out in the open, it's in my wallet inside my desk drawer that's located in my study where only I am allowed. I will include a screenshot of the cardholder agreement section that they are trying to twist around in their favor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
My XXXX Comenity XXXX has been declined each time I've tried to use it for the past several weeks. 
I have tried to contact the credit card company both by phone and by email. 
They do not answer the phone ; I wait on hold for over 30 minutes, and no one ever picks up.

They do not respond to the messages I have sent.

I can see on their social media pages that this is a problem being experienced by multiple consumers. 
It is unacceptable that there is no way to reach a person who can assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 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: TX

Complaint narrative:
I filed XXXX disputes against XXXX XXXX XXXX regarding a collection attempt for the XXXX XXXX. Per court order, my amount owed is {$920.00} in back rent. This also happened in 2017, which is outside of the Texas statute of limitations. All communication from this debt collection company has not stated this. When submitting the dispute, nothing was ever updated or corrected by the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
Im filling this complaint against PayPal Holdings , Inc. 
XXXX XXXX, California USA. 
Hi. 
On the XX/XX/2021 PayPal limited my account temporarily and asked me to provide information about my services which I did. Later on my account was permanently limited. PayPal promised to remove the limit on my fund and allow me to withdraw after 180 days. Few days to the agreed 180 days PayPal withdraw my balance to zero. PayPal allegations are false. Copyright infringements and trademark violations stated by PayPal are nonexistent. All disputes with my clients have been already resolved and the remaining balance was my hard earned money. PayPal debited random amount from my balance that doesn't represent any genuine pre-estimate of loss or damages. Under the common law, liquidated damages may not be set so high that they are penalty clauses rather than fair compensation. PayPal should provide the service they think went against their aup and I will provide a feedback from the client. The screenshot below are from my transactions. PayPal asked me to provide them before limiting my account permanently which I did. PayPal should verify all this transactions and the customers emails. I can also provide my national ID card if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I wrote the bureaus a letter stating that they have improperly listed information about my bankruptcy. I requested proof of where they obtained the information regarding my XXXX and they responded by informing me that they received this information from the courts. I wrote the courts to confirm whether they furnish this type of information and their response was that they do not. The information listed on my report about my bankruptcy was inaccurately obtained, and inaccurately displayed on 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 explanation
Consumer complaint received 2022-07-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Debt Mediation, Inc.
State: TX

Complaint narrative:
{$2100.00} XXXX XXXX, i paid this account on time and it should not be listed on my credit report as a paid collection account. it has been removed from XXXX  and XXXX, but remains on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

1. XXXX  XXXX Account Number : XXXX 30 days late in XX/XX/2021 and XX/XX/2021. 

2. XXXX Account Number : XXXX 30 days late in XX/XX/2021. 

3. XXXX Account Number : XXXX 30 days late in XX/XX/2021. 

4. XXXX  XXXX Account Number : XXXX 30 days late in May XXXX, 60 days in XX/XX/2021. 90 days in XX/XX/2021 and 60 days in XX/XX/2021. 

I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian is reporting incorrect payment history information, Experian is reporting XXXX late payments for this account : Account name : XXXX XXXX XXXX XXXX I did contacted XXXX by phone and by mail and they stated that this account was paid in full and never 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 2022-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I have had a credit relationship with Citi Bank for over two decades. I have tried to reach out to Citi multiple times to file a complaint without any response via their chat or phone line and there is no method to file a formal complaint with them online. 

I recently went through a divorce, in XX/XX/2022 a payment was accidentally scheduled out of an account that was closed as part of my divorce settlement therefore it was returned to Citi. I immediately remedied the situation by re-submitting the payment with the correct account information and I paid the returned payment fee as expected, despite this was an honest mistake. 

What I recently discovered is that after having a credit card relationship with them for over two decades with good payment history, not only did they charge me the returned check fee, they more then doubled my interest rate. This seems to me to be a very abusive practice, not only did they charge me a fee for the returned check which was reasonable but to double my interest rate, when I immediately remedied the situation is very concerning to me, not only is Citi causing significant financial harm, the notification for the increase in interest rate was hidden amongst my statement disclosures. This is deceptive, my statement contains standard information that I reference when necessary, however everything is done online. There was no separate notification, there was no clear communication, it was just tucked away where I didn't see the change for nearly 7 months. So not only is Citi abusing their power by penalizing customers in multiple formats for the same issue causing significant financial harm, they are deceiving customers by only providing a formal notification hidden in an online statement. 

If I would have been properly notified on the increase in rate I would have never used that card for the purchases made between XXXX and present, as I have other options available. 

I believe Citi Bank is becoming unjustly enriched by penalizing customer not only utilizing a fee, but by more then doubling customers interest rates as the result of a single returned payment in which customers are already penalized for via a fee. 

This practice appears to be a violation of UDAAP, particularly when you take in the similarities to the highly scrutinized overdraft practices on deposit accounts.

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 2022-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

1. XXXX  XXXX Account Number : XXXX days late in XX/XX/2021 and XX/XX/2021. 

2. XXXX Account Number : XXXX 30 days late in XX/XX/2021. 

3. XXXX Account Number : XXXX 30 days late in XX/XX/2021, and 60 days late in XX/XX/2021. 

4. XXXX  XXXX Account Number : XXXX 30 days late in May XXXX, 60 days in XX/XX/2021. 90 days in XX/XX/2021 and 60 days in XX/XX/2021. 

5. XXXX Account XXXX : XXXX 30 days late in XX/XX/2021 I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.

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 2022-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

1. XXXX XXXXXXXX Account Number : XXXX days late in XX/XX/2021 and XX/XX/2021. 

2. XXXX Account XXXX : XXXX 30 days late in XX/XX/2021. 

3. XXXX Account Number : XXXX 30 days late in XX/XX/2021, and 60 days late in XX/XX/2021. 

4. XXXX XXXX Account Number : XXXX 30 days late in May XXXX 60 days in XX/XX/2021. 90 days in XX/XX/2021 and 60 days in XX/XX/2021. 

5. XXXX Account Number : XXXX 30 days late in XX/XX/2021. 


I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.

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 2022-07-27 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: TX

Complaint narrative:
In accordance with the Fair credit Reporting Act, XXXX  Account : XXXX XXXX XXXX  XXXX has violated my rights 15 U.S.C. 1681 Section ( 602 ) states that I have the right to privacy. 15 U.S.C. 1681 Section 604 ( A ) Section 2 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 explanation
Consumer complaint received 2022-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I wrote the bureaus a letter stating that they have improperly listed information about my bankruptcy. I requested proof of where they obtained the information regarding my XXXX and they responded by informing me that they received this information from the courts. I wrote the courts to confirm whether they furnish this type of information and their response was that they do not. The information listed on my report about my bankruptcy was inaccurately obtained, and inaccurately displayed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I wrote the bureaus a letter stating that they have improperly listed information about my bankruptcy. I requested proof of where they obtained the information regarding my XXXX and they responded by informing me that they received this information from the courts. I wrote the courts to confirm whether they furnish this type of information and their response was that they do not. The information listed on my report about my bankruptcy was inaccurately obtained, and inaccurately displayed on 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