vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CarMax, Inc.
State: VA

Complaint narrative:
On XX/XX/XXXX I called and told them I lost my job of 5 years unexpectedly. The representative said there was nothing they could do, I told her that the CFPB website stated most lenders will give extensions and and then extend the loan term and continue to accrue interest even during the extension period. She told me well we dont do that, do you have anyone else in the home with a source of income? I said I get unemployment but that barely covers childcare and my rent in {$2500.00} and my partner makes maybe XXXX XXXXXXXX which is not enough to survive for a family of XXXX. We hung up without any help. Mid XXXX, I called again and explained my situation, the guy was very kind and submitted an extension for both cars I have with Carmax, that I have always paid on time and early for 24 months and 40 months. A week later I received a call from carmax stating they declined it because I did not have any promise of having the money come the end of the extension period. I asked them to resubmit the extension request as I would borrow from my parents. Today, XX/XX/XXXX, I received a call from them stating that my account is 26 days past due and that they declined the extension request again stating that they did not know why I was unable to pay. At this point I was very upset. They are going to ruin my credit because I do not have a job, and submit to the credit Bureaus on XX/XX/XXXX at XXXX pm. I worked very hard to get my credit up and was approved for my first mortgage when I unexpectedly lost my job of 5 years. I asked how they expect me to pay when I dont have the money and they just didnt care. I will have to withdrawn from my retirement or beg to borrow from my parents who are also struggling. I should have a job by XXXX which is when I submitted the extension for. I think that its very unfair to treat loyal customers who have paid early every month for XXXX months on XXXX car loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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: FL

Complaint narrative:
My personal info was stolen and used without my consent. This issue has caused me to become depressed and homeless. I refuse to pay any debts that I did not take. This is my formal complaint to get these items removed off of my credit report. 

XXXX XXXX  {$510.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$3100.00} XX/XX/XXXX XXXX XXXX  {$0.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  {$8500.00} XX/XX/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 2023-05-01 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:
My personal info was stolen and used without my consent. This issue has caused me to become depressed and homeless. I refuse to pay any debts that I did not take. This is my formal complaint to get these items removed off of my credit report. 

XXXX XXXX  {$510.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$3100.00} XX/XX/XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$8500.00} XXXXXX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
Issue with getting a Delta XXXX, American Express credit card. Same issue and answers over a year ago with American Express XXXX card. 
XX/XX/2023, over the telephone ( number supplied by Delta ) I call AmEx to apply for the Delta SkyMiles Reserve Card. First person I talked to check some AmEx system and after a few seconds I was told " declined ''. Reason for decline = because of my previous canceled cards, which were all related to companies which I worked for and then canceled upon my leaving the company = standard business policy. After talking to three people, I was told it was because of my bankruptcy filing approx. 12 years ago. 
Due to the age of the bankruptcy, it no longer is posted on any of the credit bureaus. 
I have an XXXX rating ( +/- XXXX pts. ) by all credit bureaus and have any annual income of approx. XXXX USD. 
My wife was approved and received a Delta AmEx card after filing bankruptcy which was still listed by the credit bureaus and making approx. 25 % of my annual income. 
So why is AmEx declining me? Since my wife got an AmEx card, it much be because I am a male... .... 
If I do not get the requested AmEx card, I may look for an attorney which wants to make a " name for themself '' with a suitsuit against AmEx. 
Please contact me if you have any questions. 
XXXX XXXX, XXXX XXXX XXXX, XXXX, MN XXXX, cell : XXXX, email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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: AZ

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 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, these federal laws are Truth in Lending Act, the Fair Credit Reporting Act, the Equal Credit Opportunity Act, the Fair Credit Billing Act, the Fair Debt Collection Practices Act, the Electronic Funds Transfer Act, and the Fair and Accurate Credit Transactions Act transunion, XXXX, XXXX have serval different reports please INVESTIGATE PLEASE immediately there is wrong information please remove immediately these accounts this will be last time

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 2023-05-01 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Allegedly on XX/XX/2017 this account was opened according to XXXX. But their is no paper trail at all on my credit report form XXXX everything is blank. On XX/XX/2017 XXXX & XXXX states this account was opened. XXXX has it marked as a charge off and XXXX marks it as paid off. Due to the inconsistencies between the 3 bureaus and incorrect information I'm sincerely asking you guys to please remove this derogatory account off of my credit report. I'm a military veteran that is trying to do major things for me and my family like get a bigger vehicle and purchase a home but this is one of the things that has me pigeonhold. As per the Fair Credit Reporting Act which touches on the the right to address incorrect information on your credit report, please remove this account I ask humbly. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I received a copy of my credit report and found the following items to be errors. You know, I'm tired of sending letter after letter to your company. I've wasted a lot of time trying to get this matter resolved, yet you still will not conduct a proper investigation into my account. It seems to me that your company ignores the laws put in place to protect consumers like myself

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: ALLY FINANCIAL INC.
State: AL

Complaint narrative:
At the beginning of this year, XXXX, I was struggling to make my minimum payments. I entered into a payment plan in XXXX. However, I was able to pay my card down completely in XXXX. When I logged onto my account in XXXX, my account showed a hold. I've contacted the company and they stated that I agreed to a six month payment plan and my account will be on hold until XXXX. I asked them to remove the hold, but they stated they are unable to remove the hold or refund the payment. I was unaware that if I paid my card off, I would not be able to use it. Otherwise, I would not have paid the full balance on the card. Therefore, I paid {$2100.00} and they are not allowing me to use my card.

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 2023-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am the victim of twXXXX financial crimes perpetrated on XX/XX/2023 in the amount of {$2600.00} and {$2900.00} involving your bank. I filed a fraud claim on XX/XX/XXXX at my local branch in XXXX managed by XXXX XXXX ( see attached ). I received a letter in the mail from your institution yesterday stating that your institution intends to honor these transactions and to allow the criminals who perpetrated these crimes to keep the money belonging to me that your institution gave them. 
I called the only Truest number available to me that anyone would answer, and was provided the attached document as evidence of an investigation. I spoke with someone named XXXX XXXX who was identified as a supervisor for financial fraud, and he told me there was nothing he could do and I should drive to my local branch and see if they could help me. He also indicated that this was actually my fault for not noticing it sooner. I asked to be put into contact with whomever investigated this crime. I was told I could not contact them nor would they contact me. I asked for the investigation report, and all I was provided was what I attached to this e-mail, which is clearly not a 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 monetary relief
Consumer complaint received 2023-05-01 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: IN

Complaint narrative:
Account info Account name XXXX XXXX XXXX XXXX Account number XXXX In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, has violate my rights.

15 USC 1681 Sec. 602, states I have the right to privacy.

15 USC 1681 Sec. 6-4a Section 2 , It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666b, a creditor may not treat a payment pm am account under an open and consumer credit plan as late for a purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-01 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: IN

Complaint narrative:
Account info Account name XXXX XXXX XXXX XXXX  Account number XXXX In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, has violate my rights.

15 USC 1681 Sec. 602, states I have the right to privacy.

15 USC 1681 Sec. 6-4a Section 2 , It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666b, a creditor may not treat a payment pm am account under an open and consumer credit plan as late for a purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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: IN

Complaint narrative:
Account info Account name XXXX XXXX  Account number XXXX In accordance to the Fair Credit Reporting Act, XXXX XXXX , has violated my rights.

15 USC 1681 Sec. 602, States I have the right to privacy.

15 USC 1681 Sec 604 a Sec. 2, it also state a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666b, a creditor may not treat a payment on an account under an open and consumer credit plan as late for purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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:
My personal info was stolen and used without my consent. This issue has caused me to become depressed and homeless. I refuse to pay any debts that I did not take. This is my formal complaint to get these items removed off of my credit report. 

XXXX XXXX  {$510.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$3100.00} XX/XX/XXXX XXXXXXXX XXXX {$0.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX {$8500.00} XX/XX/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 2023-05-01 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: IL

Complaint narrative:
Dear PayPal Team, I am writing this letter to submit a formal complaint regarding the permanent limitation placed on my PayPal account. I believe that the limitation was placed in error, and I would like to appeal the decision. 

Firstly, I want to make it clear that I have not violated any PayPal policies. I have always complied with PayPal 's terms and conditions, and I have used my account solely for legitimate purposes. Therefore, I strongly believe that the limitation was placed by mistake. 

Secondly, I would like to request that PayPal re-investigate my case thoroughly. I believe that if PayPal conducts a comprehensive investigation, they will find that there is no basis for the permanent limitation on my account. I am confident that PayPal will find that my account activity was legitimate and lawful. 

Lastly, I kindly request that PayPal restore my account if the investigation finds that the limitation was indeed placed in error. I have been a loyal PayPal customer for several years, and the permanent limitation has caused me a great deal of inconvenience and financial loss. I believe that restoring my account is the right thing to do, and I hope that PayPal will take this into consideration. 

In conclusion, I respectfully request that PayPal re-examines my case and lifts the permanent limitation on my account. If you require any additional information from me, please do not hesitate to contact me at the email address associated with my account : XXXX. I appreciate your time and attention to this matter. 

Thank you for your understanding. 

Sincerely, [ XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 
In accordance with the Fair Credit Reporting Act ( XXXX XXXX ) has violated my rights. 

This is a medical bill that was reported on my credit report. The bill was entered with the incorrect medical code and provided to my health insurance. My health insurance will not pay it as it was never corrected by XXXX XXXX. I am unable to purchase my dream home with this negative remark.

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 2023-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 
In accordance with the Fair Credit Reporting Act ( XXXX XXXX ) has violated my rights. 

This is a medical bill that was reported on my credit report. The bill was entered with the incorrect medical code and provided to my health insurance. My health insurance will not pay it as it was never corrected by XXXX XXXX. I am unable to purchase my dream home with this negative remark.

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 2023-05-01 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: CCF Intermediate Holdings LLC
State: IL

Complaint narrative:
This collections account was applied for and received by my mother using my personal and bank account information due to not being able to receive loan in her name. Ive tried reporting this issue and got denied of removal.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
on XX/XX/XXXX and XX/XX/XXXX i submitted 5 cash app payments through cash app for XXXX the company I submitted it to turned out to be a fraudulent company. It is called the XXXX XXXX owned by a scammer named XXXX XXXX. I reached out to my bank XXXX XXXX they issued me a refund for the XXXX recognizing the fraudulent company However they recanted the refund and told me to get the refund from cash app because this is a third party situation. I reached out to cash app several times. I called and the rude customer service rep hung up when I told her I could not hear her. I have asked for Cas app to open an investigation against this company to reach out to them to do what it takes to get my money back and they have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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: MD

Complaint narrative:
15 U.S. Code 1681n - Civil liability for willful noncompliance A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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: MD

Complaint narrative:
15 U.S. Code 1681n - Civil liability for willful noncompliance A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;

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 2023-05-01 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: AZ

Complaint narrative:
Im accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX XXXX XXXX, XX/XX/2019 has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 604 A Section : It also states a consumer reporting agency can not Furnish an account without my written instructions.

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