vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-06 00:00:00
Product: Credit reporting 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:
XX/XX/2023 RE : Social Security Number : XXXX To Whom It May Concern : I XXXX XXXX XXXX, A real human being in the flesh mind body and soul writing you to update my personal information. 

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, Tennessee XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX ) XXXX XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons.

Delete all information in the employer section.

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 
XXXX XXXX | XXXX Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX, Tennessee XXXX XXXX, XXXX XXXX XXXX Enclosed : copy of State ID and Utility bill showing proof of address SEE ATTACHMENTS!

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 2023-09-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
On XXXX I contacted the company in regards to not getting into my account. The original reason why I couldnt get on was due to me having an unrecognized device as my cell phone had water damage on the screen. Once that was resolved, they had. the company in regards to not getting into my account. The original reason why I couldnt get in was due to me having an unrecognized device as my cell phone had water damage on the screen. Once that was resolved, they had a technical error that locked me out of my account. They couldnt explain why it did it or how, and they havent given me answers on when it would be resolved, when Ill have access to the funds, etc. I asked to close my account and transfer it into a new one or transfer to my bank they said no. They havent given me no answers, and no timeline. It has been seven days. I told them that this is causing me extreme stress due to the fact I have to feed my kids and thats all the money I have. My storage unit is locked out because I cant pay the bill due to me not having access to my funds. They have came up with no solution to help me and have avoided any contact of telling me anything other than Im sorry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I am writing a complaint because my account XXXX on paypal gave me a credit for case numbers : XXXX XXXX However they closed the following cases and I am unable to reopen them and it is the same company and the same facts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ***Also when I was refunded it said I was issued a provisional credit and that is not correct it was a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
XXXX XXXX XXXX is showing account information that is not mine and not accurate. I have recently reviewed my credit report with XXXX and found multiple unauthorized inquiries which violate the Fair Credit Reporting Act as well as privacy violations. 

Unauthorized hard inquiries : 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 Lastly, my employment shows that I am employed by Union but also states retired on the XXXX report gathered. 

I am employed. Please correct. 

Thank you for your prompt review of the above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
On XX/XX/XXXX I went to XXXX XXXX XXXX to get tire paid XXXX with personal bank card. On XX/XX/XXXX XXXX my brakes acting improper go back to XXXX XXXX XXXX I need a brake booster repair job this is when they suggested the XXXX XXXX XXXX credit card I was approved for XXXX the work was done that totaled XXXX that was paid off. 
XX/XX/XXXX overheating did the test engine light with XXXX to find I need thermostat called XXXX XXXX XXXX who, '' said I needed a thermostat and the thermostat housing unit, radiator, valve cover gasket set, they did multiple jobs on my vehicle said needed to stop it from overheating the bill came up to XXXX On XX/XX/XXXX my vehicle overheating again Removed and replaced spark plugs removed and replaced spark plug wire set removed and replaced ignition wire coil charge for spark plugs, spark plug wires, ignition coil pack all totaling XXXX a new total of XXXX suv ran for another week before it overheated again and shut completely down.I called XXXX XXXX XXXX who had it towed back to XXXX XXXX XXXX they kept my suv for about 2 weeks.I called XXXX XXXX XXXX and was told to pick my suv up on XX/XX/XXXX. 
On XX/XX/XXXX When I turn on air entire suv vibrates. XXXX XXXX said did not pass the engine block test it needs a part that XXXX dont sell anymore I'm better off getting it from a junk yard and finding a street mechanic. 
I found a mobile mechanic who diagnosed the truck to find it was the head gasket.I paid XXXX dollars to mechanic to remove and replace also total of XXXX I paid XXXX to XXXX XXXX XXXX XXXX XXXX also XXXX for fuel injector for sensor oxygen XXXX for Head gasket and bolts kit,XXXX for ignition coil pack to replace the defective parts XXXX XXXX XXXX did spark plugs had to replace. re-paid for work XXXX XXXX XXXX did to my suv I have all the proof of payments receipts and sent everything into XXXX XXXX XXXX/CitiBank via fax with case number given to me from representative after I finally received a case after of fighting for someone to what been going though with XXXX XXXX XXXX  /Citibank.I was also told to pay minum so my credit would not be effective and promotion interest rate will not go in effect since there is a dispute of services the promotion date was over they added an extra XXXX to the bill for promotion and then another XXXX promotion expired then it went from the minimum of XXXX to XXXX.I brought my suv brand new never has any major problem until this now they are reporting derogatory marks on my perfect 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 2023-09-06 00:00:00
Product: Credit reporting 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: FL

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - {$0.00} 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 of 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 2023-09-06 00:00:00
Product: Credit reporting 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: FL

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$2900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - {$0.00} 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 of 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 2023-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have consistently made timely payments without any instances of being late. It is completely unacceptable to observe late payments on my account, and I strongly urge you to rectify this error without any delay. Please take immediate action to correct my account and ensure that it accurately reflects my payment history.

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 2023-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
I receive a monthly pension payment from XXXX XXXX XXXX XXXX XXXX that is credited to my checking account held with Citizen Bank. The payment for {$2100.00} that was due on XX/XX/23 was never credited to my account. 

I have spoke to both the bank and the pension group and although these entities are within the same institution no one has been able to tell me where is my money. I have had at least 5 conversations with 4 different peoples at no avail. During last conversation with a supervisor was told to wait for up to 5 business days for an answer. 
Citizens Bank seems to engage in unfair and deceptive practices. In my opinion this in an internal matter that should be resolved immediately instead of sending customers in limbo. 

I have bill scheduled and if my pension is not credited immediately I risk penalties as well as credit score adverse actions. 
Please help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-06 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
XXXX sent me {$1400.00} for a contract buyout in XXXX. I didn't receive the card and had to reorder the card. I received the card sometime later ( unsure of when ; approximately a month later ). My card was lost and I didn't have access to the account online as I needed the information on the card. The card expired XX/XX/2023, I found the card and called Bank of America at the beginning of XXXX and reordered a new card. I received the new card, activated it and went to log in but was unable to because of login credentials. I asked for the balance and was told it was {$0.00}. I asked why, I was told it was because the funds were forfeited because I didn't use by the expiration date. I was never notified nor warned of this " policy ''

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 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

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.

has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a victim of fraud and place credit alerts on all three bureaus I have had a judgment placed for a car I did not buy but still took the punishment and did a bankruptcy to clear it. Here we are 5 years later and instead of improving my credit went to worse but I dont understand how they get through my alerts if I cant even answer the questions. I am a victim of data breach thru experian and had a supposed help for fraud and still nothing I have not had any inquiries for credit since my bankruptcy except for a car loan thru XXXX financial and that is it. I try to contact the credit bureaus and form a complaint but the negative still remains and inquiries still remain how can I have paid off 4 vehicles and my credit is less than before my bankruptcy?

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 2023-09-06 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
This is fraudulent! These companies are in violation of 18 U.S. Code 1028A. Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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.

Also, they aren't even in compliance with Metro 2 credit reporting. I have evidence to prove my case!

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 2023-09-06 00:00:00
Product: Credit reporting 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:
This account does not belong to me, I suspect someone applied without my knowledge : XXXX XXXX XXXX {$7100.00} XX/XX/2023 I was living in XXXX this whole time, I get back and noticed this was on my report. Please inform the bureaus of this identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
Account number XXXX This is my second complaint against Santander consumer bank. 



Santander stated on their previous letter written XXXX XXXX, that a 1099c can not be filled because a settlement was not made. Santander stated that the account is an open charge off. 
Give me the definition of a Charge off?

1. To all of these Santander is fraudulent keeping my identity and is committing tax fraud toward the IRS. Is continuing rubbing me and the IRS.

2. Santander has also kept the financial money from the insurance, this fraud. 15usc1605 speaks about the financial charge, billed into the financial charge is a insurance that protects the lender in a event that obligator default.

3. My consumer report shows that this account its charged off. Its a canceled debt needs to be reported {$0.00} The Irs instructions form Acquisition or abandonment of secured property and cancellation of debt stated everything. Every debt that is canceled and is more than {$600.00} is a cancel debt. 

I must remind Santander consumer that they have violated the ucc code to many consumers in the past and they have a class action lawsuit against them, which was filled by the attorney general. They constantly violating consumer rights with no harm and scruples. The auto loan was charge an APR of 20,60 %, but the Texas average XXXX is 7,13 % for new car and 11.39 % for used car.

15usc1681s-2 responsibilities of furnishers of information to consumer reporting agencies. By law your are prohibited to provide inaccurate information. 



You have been put on notice to Delete this erroneous charge off from my consumer report. 
This is your final opportunity to Cure and delete these account across all 3 consumer report agencies.

If you willfully knowingly or punitive failed to delete this account from consumer report agencies.

You will be fined under title 18, imprisoned for more than 2years or both.

I will be forced to take legal action against your bank institutions, for which I will be also seeking {$1000.00} for violations Defamation of character Negligent non compliance Civil liability Mental anguish You have caused me and my family severe harm due to your negligence an inaccurate reporting.

In addition send me my 1099C and complete the form W9 and the 1099 OID form I will get them to my accountant and the IRS. You have 30 days to send it back. I must remind you its a taxable event. 

If I dont get it by the time I will mark it as a refusal and you have to come up with the penalty fee to the IRS XXXX 

Enclosed you will have my credit report IRS INSTRUCTIONS Santander letter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: MI

Complaint narrative:
I paid off my student loans to Ed fiancial before interest payments started again ( final payment submitted XX/XX/24 ). I selected auto-allocation for the loans. One of my loans has a positive balance of {$710.00} and one of my loans has a negative balance of {$710.00}. They balance to XXXX but Edfinancial refuses to fix the problem so I have been charged interest on the remaining balance. I paid in full and both loans were selected to be paid, as noted by the decreased balance on both loans. I can not get ahold of Edfinancial either via email/inbox of this complaint or by phone. It is unacceptable that I have completely paid off my student loan balance but am still being charged interest on a mistake made by a government agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: NV

Complaint narrative:
Personal Credit Profile is showing account information that is not mine and not accurate. I have recently reviewed my credit report with XXXX and found multiple unauthorized inquiries which violate the Fair Credit Reporting Act as well as privacy violations. 

Unauthorized hard inquiries : 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 Lastly, my employment shows that I am employed by Union but also states retired on the XXXX report gathered. 

I am employed. Please correct. 

Thank you for your prompt review of the above.

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