vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-07 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I have a Target credit card account which the server is TD bank I have this card for over XXXX  years. Starting in XXXX, my payments started being returned I was charged late fees as well as bounced check fees. I disputed this with TARGET. I always have much more in my account than my payment amount and I do not bounce checks. I was told by the target rep that I had been revoking my payments and that is rthe reason that they are being returned Of course I have not been revoking my paymnets. 
I then called my bank, XXXX. I was told that targe was not presenting the payment to them. I once again disputed with Target since they now reported to the credit bureau that I was late or missing payments. 
This continually happened. Target is rude and nasty and will do nothing to solve the problem. I called XXXXXXXX XXXX again and this time ws told that Target ws not presenting the payment as an ACH payment, which is the reason that the payment is being returned. Target will don nothing about this. They since have closed my account causing my credit to drop approximately XXXX points. They refuse to refund any fees and they completely ruined my credit due to their error

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-07 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: IN

Complaint narrative:
I respectfully request that you conduct a comprehensive investigation into this matter, acknowledge the mistake, and expeditiously correct it by removing the unauthorized inquiry from my credit report. Your immediate attention and resolution of this issue are highly valued and appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I am writing to file a complaint regarding an erroneous credit reporting issue that has led to undue reductions in my credit limits with American Express, necessitating intervention. 

On XX/XX/XXXX, I opened a XXXX XXXX. Subsequently, on XX/XX/XXXX, American Express notified me of a delinquency report from XXXX stating that my account was over 90 days past due. This report was factually inaccurate as the XXXX account had not been in existence for 90 days, making such a delinquency impossible. It is noteworthy that this erroneous delinquency report from XXXX has already been removed from my credit report thanks to the consumer financial protection bureau. 

Following this incorrect report, American Express reduced my credit limits. This action seems to have initiated a chain reaction due to a feedback loop in their system, affecting multiple credit cards I hold with them. I addressed this issue with American Express on XX/XX/XXXX, seeking a resolution. However, I was prevented by American Express from filing an appeal. The reason provided for the reduction in my credit limits was the initial, now-corrected, delinquency report from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Our business wrote out a check in XX/XX/XXXX which was deposited in XXXX of XXXX. 
the check was deposited AGAIN in XXXX of XXXX. 
I called the bank ( bank of america ), and complained to them asking them why they let the same check go through twice, they then credited my account and all was was good, until they REVERSED the credit, and I was in a minus of XXXX USD, I then reached out again to the bank and was on the phone over an hour, being sent from department to department with no end in sight.

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 2024-03-07 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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX TOL Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account XXXX : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a 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 2024-03-07 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: 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. 

Account Name : XXXX XXXX TOL Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account XXXX : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: DC

Complaint narrative:
I have asked American Express to resolve a dispute with the XXXX XXXX XXXX XXXX for a parking charge of XXXX as I did not rent a car during my stay at the resort. 
They have not acted my protecting my interests in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: Experian Information Solutions 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. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a 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 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 2024-03-07 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
Can you update my address and name on my credit profile.

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 2024-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: TX

Complaint narrative:
discover changed my account information due to fraud, thus opening a new account and triggering a laps in automatic payments that I have always had set up. the company reported negative information to the credit bureau, and refuses to make the wrong situation right. the company has a hard time finding where they went wrong but still refuses to do a XXXX time adjustment. this has hurt my financial report and is detrimental in my requests to obtain new credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Credit Services Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX  Iowa XXXX Subject : Complaint against First Credit Services Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against First Credit Services for multiple violations of consumer protection laws, specifically pertaining to the Fair Debt Collection Practices Act ( FDCPA ) and the Code of Federal Regulations ( CFR ). 

1. **Failure to Provide Validation Information : ** First Credit Services has placed a collection on my consumer report without providing the required validation information, as outlined in 12 CFR 1006.34 ( b ) ( 5 ). I have not received any documentation supporting the legitimacy of the debt in question. 

2. **Denial of Dispute Rights : ** I have not been given the opportunity to dispute the account, a clear violation of 12 CFR 1006.34 ( c ) ( 4 ) ( I ). I request the chance to dispute the alleged debt and receive all relevant information regarding the account. 

3. **False, Misleading, and Deceptive Practices : ** The collection agency has engaged in false, misleading, and deceptive means in violation of consumer rights. I demand that First Credit Services cease such practices immediately. 

4. **Failure to Provide Disclosures : ** First Credit Services has furnished information to a consumer reporting agency without providing required disclosures, violating 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). 

5. **Cease and Desist Order : ** I dispute all debts claimed by First Credit Services , and I hereby revoke all rights for them to communicate with me. Any violation of this order and subsequent contact after this complaint will be considered a breach under 15 USC 1692K FDCPA, and they will owe {$1000.00} for each violation. 

6. **Request for Documentation : ** I am also formally requesting a copy of the purchase agreement between First Credit Services and the original collector. Furthermore, I demand proof of their licensing and bonding status to ensure their legal authority in pursuing the alleged debt. 

I appreciate your prompt attention to this matter and request a thorough investigation into the actions of First Credit Services. I trust that the Consumer Financial Protection Bureau will take the necessary steps to address these violations and protect consumers from unfair debt collection practices. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: CT

Complaint narrative:
I have been in business since XXXX and have accepted PayPal as XXXX of the payment methods from clients since the start. In these XXXX years, I have never had any issues with the banks, PayPal, or credit card companies. Until now. I recently had a client pay for our services through PayPal, and we performed the agreed upon month of work, and also added a few weeks and many hours of work. Much to my surprise, I received a notice from PayPal that the funds sent to us from this client, for the work we had already performed, was being disputed by the client. This " case '', as they call it, allows for both sides to present documentation to support their claims. The client who was disputing the claim provided no documentation, no proof, and nothing to support their claim. We provided multiple email exchanges, outlining the correspondence with the client, including them praising us for our work. In addition, we provided specific examples of the work we performed, including the additional hours/weeks of work on top of what was originally agreed upon. PayPal then ruled in favor of the client, who had no documentation, and PayPal actually deducted money out of my BANK ACCOUNT. They stole {$1500.00} from my businesses account. I quickly called their customer service line and spoke to a nice gentleman for about XXXX minutes who told me that in fact the case was ruled in MY favor. They had reversed their decision and that the funds would be deposited back in my account within a few months. I waited, and waited, and nothing. When I finally called them back for an update, they claimed it was not ruled in my favor, even though my account clearly states it was ruled in my favor. 

They are still claiming they can't do anything about it. I spoke to multiple representatives at PayPal through their helpline, all of which agreed that this should have gone in my favor, and they can't do anything to fix this or return the money they stole from my bank account. This is warning to anyone doing business using PayPal as an option for payment. Don't do it. They could easily rectify this by returning my money, but they refuse to make it right.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 Account Number : XXXX and so on.

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 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX  XXXX ; XXXX XXXX XXXX ; XXXX  XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX : XXXX XX/XX/2023 Address : XXXX XXXX  XXXX XXXX XXXX, TX XXXX Address : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX TX XXXX Employers : XXXX XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I am filing this complaint to report a potential violation of the Fair Credit Reporting Act ( FCRA ) by MACYS/ CITIBANK Specifically, I allege that MACYS/CITIBANK has failed to comply with the following provisions of the FCRA and its regulations : 15 U.S.C. 6802 : This section requires financial institutions to provide consumers with a clear and conspicuous explanation of their right to opt out of having their nonpublic personal information shared with nonaffiliated third parties. I have never received such notification from MACYS/CITIBANK. 
12 CFR 1016.7 : This regulation reiterates the consumer 's right to opt out of information sharing at any time. I am hereby exercising this right and formally opting out of any further disclosure of my nonpublic personal information to any nonaffiliated third party by MACYS/CITIBANK. 
This failure to comply with the FCRA has potentially caused harm to my privacy and negatively impacted my consumer report. I request that the CFPB investigate this matter and take appropriate action to hold MACYS/ CITIBANK accountable for their potential violation.

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 2024-03-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: VA

Complaint narrative:
On XXXX XXXX i received the letter from Nelnet stating that they are going to discharge {$84000.00} of student loans and it will happen in XXXX days. They will also remove from crediit report in that amount. They have failed to comply and give me the run around and will not comply. Please help to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
On XX/XX/XXXX, my phone was stolen and the individual had sent himself {$3200.00} from my PayPal account to his. Due to my phone being stolen & not having direct access to my PayPal app account. I didnt not realize funds were taken out of my account until XX/XX/XXXX. I tried to reach out and solve it personally but was unsuccessful. I wasnt able to get back in my PayPal app account until XX/XX/XXXX where PayPal told me to request it from his account. They were waiting to hear back from this person but was unsuccessful. I made a dispute on the XXXX but on the XXXX it was denied due to the transaction being made from my personal phone that was stolen from me. Once I clarified that my phone was stolen an appeal was made and they asked me to file a report with IC3. This report was made that same day. They made an appeal but I still have not received the money back that was stolen from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the account : - XXXX || ACCOUNT NUMBER : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: SD

Complaint narrative:
Jefferson Capital Systems say I owe a debt to XXXX!, XXXX does NOT exist and I have never received goods or services from XXXX therefore the debt is not valid and they ( Jefferson Capital Systems ) are illegally attempting to collect a debt that's not valid. Jefferson Capital Systems has already damaged my credit score, my credit went down XXXX points because of this fake debt that I do not owe, please help!

Company response to consumer: Closed with explanation