vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

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. 
US DEPT ED # XXXX has violated my rights. 
and US DEPT ED # XXXX has violated my rights. 
Reported Twice! 

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 2022-06-13 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: NC

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 XXXXXXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
I used PayPal to send funds to a person in XXXX. The locked his account so he could not access the funds sent. When I complained to them, they noted that the funds were transferred, but they will not release the funds. 

I have contacted them to either release the hold on the funds, or return them to me as they have not completed the transaction as agreed. They have failed to do either and are utilizing " Bots '' to chat with me instead of a human. 

This is rather frustrating as I have been using PayPal form many years and now this situation is a huge concern. It is at the very least Fraud. These funds have NOT been release to the recipient, and I have had to wire them additional money due to PayPal not following through on their promise. 

Simply put, they either need to release the hold on the funds, or they need to return the funds to me including the fees paid because the service has not been provided.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I have tried to resolve this issue with the credit report Bureau but they haven't resolved so I was forced to reach out to a higher power They are violating my privacy rights and can't funish my credit report without my written approval please help me remove these fraulent hard inquiries on my credit report credit bureau are following the Fair credit report act please help me resolve and remove these hard inquiries XXXX XXXX ( XX/XX/XXXX ) XXXX  XXXX ( XXXX ) XXXX XXXX XXXX  XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) XXXX XXXX ( 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 2022-06-13 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: WI

Complaint narrative:
I have tried to resolve this issue with the credit report Bureau but they haven't resolved so I was forced to reach out to a higher power They are violating my privacy rights and can't funish my credit report without my written approval please help me remove these fraulent hard inquiries on my credit report credit bureau are following the Fair credit report act please help me resolve and remove these hard inquiries XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX ( XX/XX/XXXX ) XXXX  XXXX XXXX XXXX XX/XX/XXXX ) XXXX XXXX ( 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 2022-06-13 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: WI

Complaint narrative:
I have tried to resolve this issue with the credit report Bureau but they haven't resolved so I was forced to reach out to a higher power They are violating my privacy rights and can't funish my credit report without my written approval please help me remove these fraulent hard inquiries on my credit report credit bureau are following the Fair credit report act please help me resolve and remove these hard inquiries XXXX XXXX ( XX/XX/XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX ) XXXX XXXXXXXX ( XX/XX/XXXX ) XXXX  XXXX XXXX XXXX  XX/XX/XXXX ) XXXX XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MS

Complaint narrative:
XXXX XXXX XXXX in XXXX, XXXX adding on a XXXX Commercial GAP insurance for {$850.00} and XXXX Vehicle Service Contract for {$3300.00} to customers invoices without asking if they would like to purchase these services or state that they are optional. They commingle the paperwork for these optional services with required paperwork for the vehicle purchase. There position is that they have all of the paperwork signed to support the services sold. I explained to them that if the obtained these signatures in an improper manner by not asking a customer if they would liked to purchase optional services, this is fraud. Additionally, the GAP waiver is a sham product that flew people would purchase if specifically asked. If in spirt, it was not presented as optional its cost needs to be disclosed in the APR of the federal truth in lending statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Stenger & Stenger, P.C
State: IN

Complaint narrative:
Stenger and Stenger bought an old debt from XXXX XXXX and sued me over it. A judgment was entered on XX/XX/2012. Per XXXX law, they had 10 years exactly to collect on the judgment via garnishment. That date passed and I notified the XXXX XXXX Indiana Clerk of this, yet this company continues to garnish my wages in violation of XXXX law. They were also notified of the date passing, yet have not sent the release paperwork to my employer, and continue to collect on this debt. While overall a garnishment can be for longer, without a renewal before that XXXX window is up, garnishment can only be collected in the first 10 years. 

This is reference case number : XXXX in the XXXX XXXX Indiana courts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/2022 I received a text message from Bank of America asking to authorize a XXXX transaction for {$3400.00}. I replied no. I then got another text saying someone would contact me. The Bank of America customer service phone number called me so I answered and spoke to the person claiming they worked for the bank. I told them I did not authorize any payments on XXXX and Ive never used XXXX. They had all of my personal information and used it to send {$650.00} to me from my own account. I received emails stating I sent the money and that I received the money which I did neither. The {$650.00} was taken out of my checking account. If I sent myself money it would still be in my account. I filed a fraud claim with Bank of America and they responded saying I am unable to get refunded that money because I made the transaction. I never made any transactions, I have filed police reports because the money was stolen without my authorization and Bank of America is refusing to credit me the funds. I am still receiving texts from Bank of America enrolling me in XXXX which I am also not doing. A Bank of America rep verified the numbers sending me correspondence but claim its not them. According to regulation e and the XXXX I am not liable if my account gets hacked, has fraudulent activity or gets scammed. I should be refunded and they are refusing.

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 monetary relief
Consumer complaint received 2022-06-13 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:
The Credit Bereau stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal You also violated my rights under 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 Also the Credit bureaus took more than 30 days to complete my investigations

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
XXXX and XXXX bought an old debt from Capital One and sued me over it. A judgment was entered on XX/XX/2012. Per XXXX XXXXaw, they had 10 years exactly to collect on the judgment via garnishment. That date passed and I notified the XXXX XXXX XXXX Clerk of this, yet this company continues to garnish my wages in violation of XXXX law. They were also notified of the date passing, yet have not sent the release paperwork to my employer, and continue to collect on this debt. While overall a garnishment can be for longer, without a renewal before that XXXX window is up, garnishment can only be collected in the first 10 years. 

This is reference case number : XXXX in the XXXX XXXX XXXX  courts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act ; XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A states I have rights 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.

They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they received my disputes.

They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.

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 2022-06-13 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: MD

Complaint narrative:
EQUIFAX AND XXXX ARE NOT FIXING AN EXISTING ISSUE WITH MY REPORTS. I KEEP DISPUTING A MEDICAL COLLECTIONS ACCOUNT THAT IS NOT MINE AND IS ALSO MEDICAL. MEDICAL ACCOUNTS AREN'T SUPPOSED TO BE REPORTED SINCE THE PANDEMIC. 

XXXX XXXX NEEDS TO BE REMOVED OFF OF MY REPORTS. MY SCORES DROPPED XXXX POINTS AND I AM TRYING TO BUY A HOME WHICH THAT RUINED MY CHANCES. THE ACCOUNT BELONGS TO A RELATIVE. 


DELETE!!!!! 

I AM ALSO A XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

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 Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2022-06-13 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: NC

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. 
USDOE/XXXX  Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 non-monetary relief
Consumer complaint received 2022-06-13 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX AND EXPERIAN ARE NOT FIXING AN EXISTING ISSUE WITH MY REPORTS. I KEEP DISPUTING A XXXX  COLLECTIONS ACCOUNT THAT IS NOT MINE AND IS ALSO XXXX XXXX ACCOUNTS AREN'T SUPPOSED TO BE REPORTED SINCE THE PANDEMIC. 

XXXX XXXX  NEEDS TO BE REMOVED OFF OF MY REPORTS. MY SCORES DROPPED XXXX POINTS AND I AM TRYING TO BUY A HOME WHICH THAT RUINED MY CHANCES. THE ACCOUNT BELONGS TO A RELATIVE. 


DELETE!!!!! 

I AM ALSO A VETERAN IN XXXX  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 explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Our business has been a long time Citi account holder and always paid our balance in full using autopay. In XXXX 2022 we stopped autopay and attempted to make partial payments online at the Citi site and got an error. Upon calling customer service and tech support, our issue was logged and we were told we would be contacted with additional steps or resolution for the error. Since then, I have called several times, filed a complaint with the XXXX XXXX XXXX XXXX ref XXXX ), sent secure messages on the Citi site and still we have no access to make partial or full payments online. We are extremely frustrated that this issue can not be resolved so that we can make partial payments on our own without the need for the auto pay setting on our account. I keep getting a lot of excuses from Citi and no resolution. No one person or department at Citi will take responsibility for this and each time I am contacted it is like starting all over so no consistency in action or building of action by Citi. I was even contacted on my personal cell phone and personal email about my personal Citi account rather than my business account and contact information, so clearly there is also a major issue with clear and proper communication to address a complaint at Citi. 

At this point Citi is falsely advertising the ability customers to pay in full or partial payments using the Citi website. We only have the option for autopay or phone in a payment. I can not believe all business trying to pay online with Citi are experiencing this issue. We have already tried multiple browsers as well as mobile access and still get the same error when attempting payments. We have removed and restored banking information and that too is not working. The specific error we are getting is " General Error, We've had a problem processing your request. '' It doesn't matter the amount entered, the same result happens. 

Citi closed the XXXX  complaint without fixing the problem so I now bring this to the CFPB 's attention that Citi has been notified of the payment issue for over 5 months and refuses to either remove the option for customer pay on its site or fix the issue. We have been forced to return to autopay to keep our credit and account in good standing.

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 2022-06-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I sent a payment to my attorney and they money hasnt been available. The payment was made on XX/XX/XXXX. We have tried to call a minimum of 7 times and we get different answers every time we talk to PayPal. Each time we are on the phone with them we get disconnected when we are on the call 20-45 minutes this has happened a minimum of 5 times on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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: EQUIFAX, INC.
State: MD

Complaint narrative:
It shows on my Equifax report that for the month of XXXX and XXXX of 2022, I have late payments for my Attorney General Child Support Account ending in XXXX. I have made the payment faithful to the point its garnished from my work wages. I have disputed it multiple times. Please see attached

Company response to consumer: Closed with explanation