vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase asked me to close my accounts with them, and never provided any explanation. I closed the accounts but have booklets of Checks ordered a few months prior the closure. When I called the customer service for the refund of the money used in purchasing the checkbooks, I was told that the loss is on me. I am requesting for Chase to provide me with the refund and also to send me how to return the unused checkbooks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 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: GA

Complaint narrative:
In accordance with the Fair Credit Act Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

XXXX  XXXX XXXX has violated 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 an account without my written consent.

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, 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 accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 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: TX

Complaint narrative:
ok so the credit agency have just completely disregarded my consumer identity and i want to know how is it even remotely possible to report inaccuracies on my credit report with no reporting company? there is mistake after mistake on my consumer report? how many laws will they be able to break. how much of my livelihood will they be able to destroy? account in question 12940 they have 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 2023-05-08 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: CA

Complaint narrative:
Dear PayPal Team, I am writing to appeal the suspension of my PayPal account, which was banned immediately after I registered for it. As a first-time user of the service, I am confused and concerned about the reason for this suspension. I have not had the opportunity to engage in any activity on my account, and I am not aware of any policy violations or suspicious behavior that would justify this decision. 

I would like to request that my account be reinstated and that you provide me with an explanation for the suspension. As a new user of your service, I was looking forward to exploring the benefits of PayPal and using it for my transactions. This sudden suspension has caused me great inconvenience and has left me with a negative impression of the service. 

I kindly ask that you review my account and provide me with a clear explanation of the suspension. I am eager to resolve this issue and continue using PayPal in the future. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: MN

Complaint narrative:
Between XX/XX/XXXX - XXXX, 2022, I fell victim to two multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX, XXXX USD from my CashApp account to fraudulent investment firm ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: OneMain Finance Corporation
State: AZ

Complaint narrative:
I currently have a vehicle loan with One Main Financial Account # XXXX. As of XX/XX/XXXX I was paid ahead on my car loan up until XXXX of XXXX. 

On XX/XX/XXXX I was in a car accident and the insurance company deemed the car a total loss as of XX/XX/XXXX. 

One main financial will not accept payment from the insurance company for now going on over five months. 

I was told by One Main Financial they failed to obtain the title of the vehicle upon origination of the loan. This was due to their clerical error of not ensuring all documentation was completed during originations, and they continued on-boarding the loan. They finally sent the documentation to me to have notarized in XXXX and submitted to obtain the title from the DMV as of XX/XX/XXXX. 

They're failure to correctly originate my loan has caused me a huge amount of harm. 

I have been advised I will still be charged the all the interest for this time being at the XXXX because it depends on when the insurance company submits the payment in which they refused to take due to their error. 

During this last five months I have occurred more expenses as well not just having to pay the payment to One main financial for a car that is totaled when they have refused payment but also for using a rental car and the use of ride share fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 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: FL

Complaint narrative:
In accordance with the Consumer Credit Protection Act, Public Law 90-321 ; 82 Stat. 146 ; 15 U.S.C. 1601 et seq.

As you are aware, the Consumer Credit Protection Act provides consumers with certain rights regarding the accuracy and fairness of their credit reports. One of these rights is the ability to dispute inaccurate information on their credit reports, and to have that information corrected or removed. 

XXXX  Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX  Account # XXXX 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 2023-05-08 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: FL

Complaint narrative:
Included in the this section is the letter which I sent to all 3 credit reporting agencies instructing them of the identity theft and fraudulent accounts to be removed, including the timeframe in which it needed to be done by and they did not comply with federal law. Attached are also the letter and my FTC identity theft report. 

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

I reached out to the XXXX, XXXX, and Experian regarding this exact matter and it has been 30 days and they are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN INSTRUCTION to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

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 2023-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Hello, last month I've tried to reach out to the credit bureaus to get two charge offs accounts verified/ removed and they weren't able to do it. The first account is BARCLAYS BANK DELAWARE {$2100.00} and the other account is XXXX XXXX XXXX {$4800.00}. 

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted 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 explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My credit limit was lowered with no information provided. I called and spoke to a customer service representative who informed me she would send an email regarding why and no other information. I received the email and per email stated a lower payment was made and this is incorrect and I feel that due to my race this company has unfairly targeted me. I always make a full minimum payment and have never maxed out my balance. The other reason was due to caring a high balance on my other cards which are within the 30 % and only because of my financial situation for they were at 10 % prior. This is why once again I feel I am being targeted for being of XXXX descent.

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 2023-05-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WorldRemit Corp.
State: NY

Complaint narrative:
On the XXXX of XXXXXXXX XXXX I sent {$350.00} to world remit money transfer to my beneficiary bank account in XXXX. Till the time of filling out this complain. My beneficiary account has not been credited. I make several calls and several mails to them to no avail The transaction number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 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: GA

Complaint narrative:
I am demanding to delete this inaccurate information left on my credit report. Me, as a consumer have rights under FCRA, FDCPA and plenty others. However, I have closed account with XXXX XXXX XXXX in which I closed it XXXX of XXXX Before, I closed the account there was a late payment on my credit report which is completely incomplete, inaccurate and incorrect which the laws states under FCRA it must be accurate and fair. In this case- you can not say I am late XXXX XXXX, XXXX in XXXX, XXXX ( blank ) then XXXX 120 days. Thats reporting inaccurate information and violation fcra regulations as a consumer that I am. I have disputed this account numerous times and came back verified. this is last stretch getting this account deleted from All XXXX ( XXXX, Experian and XXXX ) before I take further steps on suing these folks for not doing their job under 15 us 1681s-2. XXXX XXXX XXXX XXXX  Account Number

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 2023-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I own a house located within PNC 's footprint and I had a mortgage on that house with XXXX XXXX  for two years. On XX/XX/2023, the mortgage was sold to PNC. 

MY WIFE AND I started the process of setting up an online account so we are able to automate our monthly payments so they are always paid ON TIME. After entering our user id and password, we WERE prompted to review the terms and conditions ( a legal document ) AND TO check the box IF WE accept these TERMS.

When I downloaded the legal document to review, I discovered it IS AN ASTOUNDING 59 pages. Not only is this onerous on a consumer to have to read, there is no opportunity to request any changes to the document - - so if we check the box, we are bound to the terms and conditions whether we agree with them or not.

On top of the document being 59 pages, the website limits the amount of time you have to review the document prior to accepting the terms. I am not able to complete reading a legal document of 59 pages within the time frame provided and feel like it doesn't matter, I have to accept the terms or I can't use the online services.

I feel PNC is taking advantage of consumers since they know MOST PEOPLE CAN NOT PRINT OUT 59 PAGES AT HOME AND/OR no one will read the document in full, will get frustrated and so as not to have to keep coming back to register for the service, they will just click the button and be done with it.

I am sending this prior to reading the full 59 pages so I can't say if there would be terms and conditions I would find unacceptable.

I BELIEVE THIS IS YET ANOTHER EXAMPLE OF HOW BANKS AND OTHER BIG COMPANIES ARE TRYING TO COVER THEMSELVES BY SAYING " I TOLD YOU SO, WE DISCLOSED IT '' - IS THAT REALLY WHAT THE PUBLIC NEEDS - SHORTER, MORE CLEAN AND DIRECT PLAIN LANGUAGE ABOUT TERMS AND CONDITIONS WOULD PROTECT CONSUMERS - THIS IS ONLY PROTECTING THE BANK HELP- I DO NOT WANT TO CONSENT TO SOMETHING THAT COULD REALLY HURT ME

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I applied for a PayPal credit account on XX/XX/XXXX. I received a denial from Synchrony Bank dated XX/XX/XXXX, reason for denial : PayPal Credit Account not paid as agreed. On XX/XX/XXXX, I mailed a priority letter to Synchrony requesting the account not paid as agreed. I have attached letter from Synchrony a bank dated XX/XX/XXXX, my letter dated XX/XX/XXXX, copy of USPS mailing. 

I am again requesting the PayPal account from Synchrony. I have attached copies of my letter dated XX/XX/XXXX and USPS confirmation showing letter was delivered and picked up on XX/XX/XXXX. 

Thank you for any assistance you can provide in this matter.

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 2023-05-08 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
They have not included the following statement on my report. 
. 
XX/XX/XXXX/account number XXXX. 

They have misrepresented the facts. Only after complaint to CFPB have they been sending regularly the statements to keep me in the loop. This should not be a derogatory mark on my record.

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 2023-05-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I implore you to take action and remove these fraudulent accounts from my credit report. I have never authorized anyone to use my account and it is completely untrue. Please eliminate these deceitful accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08 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: NJ

Complaint narrative:
I have two fraud collection on credit report that I disputed and the credit bureau are reporting that it has been verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08 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: NJ

Complaint narrative:
I have two fraud collection on credit report that I disputed and the credit bureau are reporting that it has been verified.

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 2023-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: DE

Complaint narrative:
I have an auto loan from ALLY FINANCIAL, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called ALLY FINANCIAL and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and ALLY FINANCIAL with no successful resolution. XXXX, XXXX, and XXXX reporting me 30 days late in XXXX of 2023. There was an error on their part. I was never 30 days late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I have an auto loan from XXXX XXXX and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX  XXXX  with no successful resolution. Experian, XXXX, and XXXX reporting me 30 days late in XXXX of XXXX. There was an error on their part. I was never 30 days late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation