vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-10 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: FL

Complaint narrative:
On XX/XX/XXXX I submitted a personal loan request through XXXX XXXX XXXX XXXX ( XXXX ). Undenounced to me, I had already met the unknown and unpublished loan threshold at XXXX XXXX XXXX XXXX and was later denied credit. Had I known or had any transparency from XXXX I wouldve never requested a personal loan. Also, I never approved a hard credit pull but instead was requesting information. Please remove this hard credit pull for a personal loan. I'm willing to bring in legal counsel to aid in this resolution if necessary. 

Remove hard credit pull from all XXXX credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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: FL

Complaint narrative:
On XX/XX/XXXX I submitted a personal loan request through XXXX XXXX XXXX XXXX ( XXXX ). Undenounced to me, I had already met the unknown and unpublished loan threshold at XXXX XXXX XXXX XXXX and was later denied credit. Had I known or had any transparency from XXXX I wouldve never requested a personal loan. Also, I never approved a hard credit pull but instead was requesting information. Please remove this hard credit pull for a personal loan. I'm willing to bring in legal counsel to aid in this resolution if necessary. 

Remove hard credit pull from all three 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
Consumer complaint received 2023-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
CFPB, please be sure that they address my complaint, and please don't close the case simply because they claim they resolved the issue- they didn't. 

I have been trying to log into Transunion for weeks and am unable to. Transunion does NOT recognize my name & SS # any more. ( Note that this is different from my first complaint ). Not when I try to log in to recover my account, and not when I try to create a new account ( as Transunion claims that it may be closed due to inactivity ). 

I followed the link Transunion provided in their response ( https : //membership.trueidentity.com/tucm/login.page ), and again... I entered my SS # twice and my last name. And when I click on " continue to next step '' Transunion simply takes me back to the previous page to enter my information. Yes I checked and double checked that I entered the information correctly- I did this numerous times. It will not accept my information and will not allow me to proceed. 

WHY DOESN'T TRANSUNION RECOGNIZE MY NAME & SS #???

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 2023-05-10 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: DISCOVER BANK
State: NC

Complaint narrative:
XXXX XXXX XXXX  XXXX or XXXX XXXX XXXX, XXXX. The balance of {$1000.00}. The account was opened in XX/XX/XXXX. The account was opened fraudulently. I have completed the following steps to resolve the account with the account : First, I contacted the creditor without success. After being unsuccessful in contacting the original creditor. I have also disputed it several times with the credit bureau due to it being fraudulent during a pandemic. 
- The original credit bureau was contacted on - XX/XX/XXXX and XX/XX/XXXX- The credit bureaus have been contacted on - XX/XX/XXXX and XX/XX/XXXX At this time, I have been unsuccessful in getting the fraudulent account removed from my report. I am reaching out to obtain assistance with getting the account removed from my credit reports. 

Discover Card reported a late payment which is also incorrect. I have had this account for several years, and have never been late with a payment. The payment was incorrectly reported, because of an issue with the website. I have attempted to have the situation corrected by contacting the creditor by phone in XX/XX/XXXX. I have also contacted the credit bureau without success via phone in XX/XX/XXXX and by letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sentry Recovery and Collections, Inc.
State: NV

Complaint narrative:
My fiancee and I moved from the original creditor property on XX/XX/XXXX. We informed them prior to moving of our intent to do so and provided an address at which we could be contacted. We were not informed of any outstanding balance owed. On XX/XX/XXXX, my fiancee and I moved into a different property owned by the creditor. Before we could move in, the manager at that property had to check our names for any unpaid balances with the creditor. Both of our names came up clear. On XX/XX/XXXX, a collections was reported to both my XXXX and XXXX credit reports from Sentry Recovery and Collections for {$1200.00}. The original creditor is XXXX XXXX XXXX with the original balance of {$960.00}. This debt was supposedly opened XX/XX/XXXX. XXXX XXXX states in their registration agreement that any person leaving with an outstanding balance will be consider a " non-eligible '' customer at all XXXX properties until the balance is current or a payment plan is arranged. The debt appears to be manufactured after the fact and false. We should not have been able to move in to the second property if this debt existed. To this date, we have not received anything in writing regarding this debt from either Sentry or XXXX. The balance is currently being reported on both my fiancee 's and my credit reports as {$1200.00}. We are still able to receive mail at the address originally provided as it belongs to my fiancee 's mother.

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 2023-05-10 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: Exeter Finance, LLC.
State: AR

Complaint narrative:
{$11000.00} has been written off, and the account is still displaying the obligation as past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Management Holdings, LLC
State: CA

Complaint narrative:
I am still on XXXX  I don't know why they have been charging me I still have a doctor 's note from my primary doctor and XXXX doctor so I don't know why they are charging me should be taken care of from my medical and Medicare thank you so much XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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: MI

Complaint narrative:
Upon review of my recent Credit Repot from TransUnion, I noticed a negative item reported by XXXX XXXX. On XX/XX/2023, I sent a dispute letter to TransUnion to resolve this matter, and 30 days has passed with no investigation. TransUnion is now in violation of federal and state law under the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). As you TransUnion has now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, they must now remove the item. Any other action ( or in-action ) on their behalf will result in a small claims action against your company.

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 2023-05-10 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: TX

Complaint narrative:
I submitted a complaint last XX/XX/2023 and it was closed immediately. I submitted a complain again last XX/XX/XXXX and XXXX, XXXX  and again it was closed immediately. It was marked as no further action but I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. These accounts are not mine.

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 2023-05-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: ME

Complaint narrative:
Dear PayPal Team, I am writing to you today to appeal the permanent limitation that has been placed on my PayPal account ( email address : XXXX ). I believe that this limitation has been placed on my account by mistake and I would like to request that you re-investigate my case and restore my account if possible. 

Firstly, I would like to state that I have not violated any PayPal policy. I have always used my account in accordance with PayPal 's terms and conditions and have never engaged in any fraudulent or illegal activity. Therefore, I believe that the limitation has been placed on my account in error. 

Furthermore, I would like to emphasize that my PayPal account is an essential tool for me to carry out my daily business activities, and this limitation has caused significant disruption to my operations. As such, I would greatly appreciate your prompt attention to this matter. 

I kindly ask that you reconsider your decision and conduct a thorough investigation into my account activity. I am confident that once you have done so, you will find that my account has been unfairly restricted. 

Thank you for your time and attention to this matter. I look forward to hearing from you soon. 

Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX keeps reporting inaccurate information on my account every single month, it is supposed to be a charged off account yet the balances keep changing keep increasing decreasing and is signficatanly hurting my score with the inaccurate information and reporting of a closed account every month. Within the last 3 months they have removed the account, increased the amount, decreased the amount then now increased the amount. According to the fair act they are supposed to report accuarate information and they have not, please delete the account as it is signficantly hurting my score.

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 2023-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
When credit card companies advertise interest-free payment plans that have an associated fee ( i.e. " pay off this purchase in 12 monthly payments with no interest** '' ), shouldn't the fee be clearly expressed as an APR so consumers can clearly understand and compare the costs vs paying interest? Using the term " free '' in this context is misleading. Fore example, a {$21.00} dollar fee on a {$100.00} purchase spread over 12 months is equivalent to a 21 % interest rate and should be disclosed as such so the consumer can make an informed decision -- not hidden in fine print or footnotes, and not requiring the consumer to do the math. Some banks offer a total cost estimate for purchase plans, which may be somewhat helpful in making purchase decisions, but makes it harder to compare fee-based vs interest-based costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Comerica
State: VA

Complaint narrative:
I am on XXXX and I receive my benefits on a Direct Express card. Recently, Direct Express froze my card, and my funds are unavailable. When I tried to call them, I was on hold for several hours and then it hung up. I am unable to use my card online, withdraw from an ATM, or sign in to check my balance. This means that I am unable to access my funds. I went online and found that I am not the only one who is going through this. Direct Express has a long history of freezing accounts and not returning the money to a vulnerable population of people who live on a fixed income. I do not know the exact amount of what is/was on my card, but it is between XXXX dollars. When I try to sign into Direct Express, it reads, " Card status is invalid. '' The card is not expired, so there is no reason for it to be invalid. 

I spoke with Social Security, and they said they have nothing to do with Direct Express, but this is who they have gone through to submit benefits to many people who don't have a bank account. They said they would escalate the issue up the chain of command, but they are unable to access the funds as well, and Direct Express does not answer the phone for anyone. Direct Express is a product of Comerica Bank, but in order to speak to anyone there, one must have their actual card. Comerica has no direct line, otherwise. Several people who live near Comerica Banks have gone to the branch, but they won't do anything about the issue. 

Whether they were hacked, or if this is an inside job, something serious is going on with Direct Express. People on a fixed income can't pay bills, rent, or buy food. I am asking you to please look into this matter and take it seriously. I have switched my benefits over to another card, but I'm still missing the money I am unable to access on my Direct Express card. 

Thank you for your time. 

Best, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: PENTAGON FEDERAL CREDIT UNION
State: MS

Complaint narrative:
I had a 15-month CD at Pentagon Federal Credit Union that matured on XX/XX/2023. I called the credit union to make sure the CD had a grace period. I was told on XX/XX/XXXX and also on XX/XX/XXXX that I had a 10 day grace period on the CD. So, I thought no problem, since I would continue earning interest. On XX/XX/XXXX, I requested to transfer the funds to another bank. At that time I was told the CD would be backdated to XX/XX/2023. I was not previously informed of this step, but I just assumed I would get 4.65 % APY interest for the 8 days the funds were in a grace period. To wire funds to another bank, I had to put the money into a savings account at Pentagon Federal. I preferred the premium savings account ( 2.70 % APY ). I was told that you had to get special permission to open this account and it was Friday and I did not have enough time left in my grace period to complete the required procedures. My only option was to transfer funds into the regular savings account ( .005 % APY ) that I had opened for initial membership. Once the funds were transferred to my Pentagon regular savings account, I only saw an additional {$.00}, surely this was not correct. Afterwards, I asked for the paperwork to read their procedures for myself. To my surprise, my CD did not have a grace period. Why didnt anyone tell me this at the credit union ? I depended on the spoken word of several specialists, saying that I had a 10-day grace period. If I had known that I didnt, I would have transferred the money at maturity. They should have said I had no grace period or we will give you a 10-day grace period with no significant interest. They are keeping quite a bit of interest on the 8 days that they backdated my CD. Pentagon Credit Union is planning to pay me .005 % APY ( {$5.00} ) on thousands of dollars, not the interest rate where the funds actually were. Are they telling everyone who do not read the fine print that they have a grace period? Afterwards, you are left to their procedure of backdating CDs and giving you as little interest as possible. Is this process legal?

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 2023-05-10 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: FL

Complaint narrative:
as was my prior complaint # XXXX I did not authorize any inquiries and these were not removed XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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: FL

Complaint narrative:
I submitted a complaint last XX/XX/2023 and it was closed immediately. I submitted a complain again last XX/XX/2023 and again it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. How can CFPB closed my complaint saying it has already processed my earlier complaints about this problem when I haven't got any response from the involved companies. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. These accounts are NOT MINE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In accordance with FCRA, this creditor has violated my rights. On the 15 USC 1681 sec 602 states that i have the right to privacy, 15 USC 1681 sec 604a sec 2 also says that a consumer reporting agency can not furnish an account without my written instruction, under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.

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 2023-05-10 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: NJ

Complaint narrative:
In accordance with FCRA, this creditor has violated my rights. On the 15 USC 1681 sec 602 states that i have the right to privacy, 15 USC 1681 sec 604a sec 2 also says that a consumer reporting agency can not furnish an account without my written instruction, under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation