vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-24 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: TX

Complaint narrative:
XXXX XXXX ran my credit with several banks on XXXX. XXXX XXXX  will not take the hard inquiry off my credit report, I sent the letter from XXXX XXXX to them showing that they were not suppose to run my credit, they did not have authorization to do this. XXXX financial sent me the letter attached and told me to contact the dealership, I already have, the dealership wrote a letter and said to send it to XXXX XXXX and the other banks. They wont take it off and I have proof they need to. This is unacceptable and fraud at this point.

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 2022-05-24 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: MA

Complaint narrative:
I submitted my complaint, police report and identity theft report from the FTC ( Federal Trade Commission ). Today I'm submitting a new complaint specifically because I made an FTC ( Federal Trade Commission ) Identify Theft Report today XX/XX/2021. I've mailed a copy of the identity theft report to XXXX and Experian today along with a copy of my passport and social security card. I had mailed a copy pf the police report last week so I figured I didnt need to re-upload it to this new complaint. I figured it would be efficient to also notify XXXX XXXX XXXX XXXX XXXX ) of my FTC Identify Theft Report. I've attached a copy of my Identity Theft Report to this complaint. There is an account called DEPT OF EDXXXX that is being reported under my name to the credit bureaus and the balance appears to be {$41000.00}. What makes this account very suspicious is that it is being reported as Pay as agreed even though I do not pay this account and I do not even know what it is. This account should be removed from my credit report because that isnt my loan. Also why is it being reported as pay as agreed If I dont pay that account or know what it is?

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 2022-05-24 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: PA

Complaint narrative:
" I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: NJ

Complaint narrative:
I have repeatedly had issues with initiating disputes over the phone and in writing via mail to XXXX XXXX. The representatives after verifying my identity, and fraud alert that's in place will not process my inquiry disputes and constantly are giving loopholes that discouraging and complicated. The FCRA gives consumers the right to dispute inaccuracies on their report and dispute inquiries that are done without the consumers consent. Following that, I submitted in writing in XX/XX/2022, account disputes accompanied with copies of proof of identity and address, signed with my legal signature. XXXX refused to process the disputes in writing. Following XX/XX/2022, XXXX sent a generic letter that did not adequately explain why my dispute was not processed. So, I called and spoke with XXXX XXXX in special handling department, and she confirmed the dispute was not processed. She told me that they would not access my documents to process the disputes and even after she verified my identity, the dispute was not initiated as I requested. On XX/XX/2022, I contacted legal counsel and had a document mailed to XXXX making another request to initiate my dispute. On XX/XX/XXXX, I received a notice of the dispute results and as a result the disputes, XXXX re-aged the accounts, where my delinquencies were showing updated as of the date they were disputed. This is unfair! The date updated should be when the creditor initially reported the derogatory information. The new date would delay the account falling off my credit report in 7-10 years by law. XXXX is very deceptive in its business practices, which is a violation of my consumer rights and the FCRA. 

I also have had negative experience with Equifax as well. This company never sent updated results of my credit disputes after the investigation was concluded and they re-aged my credit accounts as mentioned above whenever I dispute them. The date updated should be when the creditor initially reported the derogatory information. The new date would delay the account falling off my credit report in 7-10 years by law. Equifax is very deceptive in its business practices, which is a violation of my consumer rights and the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
For the last several years, I have been able to transfer my funds from Ally to my other banking institutions relatively quickly. About a month ago, I attempted to send money from Ally to another bank using XXXX. XXXX has always been an instant transfer. After I set up the transfer, I received a notification that it would take 3-4 days. 

I called to find out why and was given a lot of conflicting and confusing information. I asked to speak to a supervisor and still was not able to find out why. I sent an email to their executive office and received phone messages from someone named XXXX. When I left messages at the number he left, he never returned my calls. 

After over a week I received an email letter saying that because I had an automatic transfer from a credit union refused, they were punishing me by making it harder to access my own funds. The reason the auto-transfer was refused was that I had closed the account with the credit union . I had canceled the auto-transfer on Ally 's site but they attempted to take the money out anyway and later punished me for their mistake.

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 2022-05-24 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:
In accordance with the Fair Credit Report Act XXXX ACCT # XXXX has violated my rights. 

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

15 USC 1681 Section 604 A section 2 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 explanation
Consumer complaint received 2022-05-24 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:
In accordance with the Fair Credit Report Act XXXX ACCT # XXXX has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: NY

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. 

XXXX XXXX XXXX  Account number XXXX Has violated my rights XXXX XXXX XXXX Account number XXXX Has violated my rights XXXX XXXX XXXX  Account number XXXX Has violated my rights XXXX XXXX XXXX Account number XXXX Has violated my rights XXXX XXXX XXXX Account number XXXX Has violated my rights XXXX XXXX XXXX Account number XXXX Has violated my rights XXXX XXXX XXXX Account number XXXX Has violated my rights XXXX Account number : XXXX 15 U.S.C 1681 section 602 A. states a consumer 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 an account without my written instructions.

15 U.S.C 166 B : A creditor may not treat a payment on a credit card account under an open and consumer plan as late for any reason

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 2022-05-24 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: PA

Complaint narrative:
" I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. ''

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 2022-05-24 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: PA

Complaint narrative:
" I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. ''

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 2022-05-24 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act my bankruptcies case numbers XXXX, XXXX, XXXX has been violated. I applied for auto credit, without my knowledge numerous companies ran my credit without my permission 15 U.S.C. 1681SECTION 602 A states I have the right to privacy U.S.C. 1681 SECTION 2 It also states a Consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act my bankruptcies case numbers XXXX, XXXX, XXXX has been violated. I applied for auto credit, without my knowledge numerous companies ran my credit without my permission 15 U.S.C. 1681SECTION 602 A states I have the right to privacy U.S.C. 1681 SECTION 2 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 explanation
Consumer complaint received 2022-05-24 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g

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 2022-05-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: States Recovery Systems, Inc.
State: CA

Complaint narrative:
I am writing this letter because I believe I have been a victim of predatory debt collection. I have attempted numerous times to dispute this account with all three credit reporting agencies over the past few months to no avail. I have requested written confirmation of the original contract as well as my signature verification of the agreement with the new debt collector from XXXX, XXXX and XXXX. Again, to no avail. The company I am referring to is States Recovery Systems. My current credit report shows an account with XXXX XXXX XXXX in which it reflects a closed account with an outstanding balance of {$2200.00}. However, the account supposedly bought and assumed by States Recovery Systems shows a balance of {$3200.00}, a difference of almost {$1000.00}. I protest the validity and believe they are misrepresenting the amount owed and using deceptive practices inflating the amount of debt on this account illegally sinking this account further into debt. I would like this to be resolved and this company held accountable for their practices. I would like my credit reports to be updated and adjusted accordingly and this account be removed because of illegal practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: TX

Complaint narrative:
FCRA violations : payments never late XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$990.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$16000.00} Status Open. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-05-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I ordered a sweater from XXXX  on XX/XX/XXXX. Total purchase price was {$76.00}. I received the sweater on XX/XX/XXXX. The style was not what I expected, so I returned the sweater within a week. I waited for the return to be credited, but it never was. I finally called the customer service number on the back of my card on XX/XX/XXXX, and was credited the full {$76.00}. However, since it had taken XXXX  so long to process my return ( I'm not sure they even would have had I not called ), they dinged me with a {$32.00} late-payment fee. I called and asked them to wave the fee. At first they refused. When I told them to cancel my card, the customer service agent stated that he would speak with a " retention specialist '' and put me on hold. When he returned to the line, he told me that the retention specialist had agreed to waive the late fee if I agreed not to cancel my card. I agreed to those terms and asked him specifically if my card balance was now XXXX. He affirmed that that was correct. 
On XX/XX/XXXX, I received a credit card statement from XXXX XXXX showing a balance due of {$73.00}. When I called to inquire about the charge, I was told that I was being charged the {$32.00} late fee from the previous month, plus an additional {$41.00} as an ADDITIONAL late fee, plus {$1.00} in interest. I explained what had transpired and how my balance was supposed to be XXXX. I refused to pay the {$73.00}. The agent I spoke with stated that she could waive only one of the late fees, IF I retained my credit card account, and that I would have to pay the balance. I reminded her that the situation was based on her company 's error, but all she would say was, " I apologize, '' and refused to waive the entire amount. I was not interested in being fooled again, so I asked her to cancel my credit card, which she did, without refunding me any of the bogus charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-24 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: TX

Complaint narrative:
FCRA violations : payments never late XXXX Potentially negative Date XXXX XX/XX/XXXX XXXX {$1100.00} Status Closed. {$260.00} past due as of XX/XX/XXXX. 
XXXX XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed.

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 2022-05-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc

Complaint narrative:
Good day, My PayPal email : XXXX, Reference ID : XXXX. Im contacting under the claim that my PayPal account got permanently limited, Ive already called the support on phone and they claimed it could to be an fault by the automatic bot or an person who mistakenly had put limitations. Ive also messaged the support but I was not satisfied with their " I dont give a XXXX '' attitude. So I decided to contact the PayPal support on XXXX. However, I have been waiting for days yet no response. I really cant wait any longer and stress about this much more, PayPal support is so poor and literally dont care at all, I think this is my last hope to get help as its impossible to get any help from PayPal XXXX I understand the need of limiting accounts. However, Im also aware and familiar with the User Agreements, I have checked and read the User Agreement several times before and recently aswell. I dont find myself in any of them, with this being said, I dont believe I have violated any policies or laws. Even my sales history has been very positive. My account have gotten limited with no explanations given nor given me a chance to explain my usage by providing any proof needed to prevent from this mistake or misunderstanding to occur. I have no issues showing any proof/ID verification needed to resolve the issue. They have also frozen my balance, MY HARD EARNED MONEY!. I had about XXXX $ on my balance. Im in desperate for help. This has really affected my XXXX XXXX as this is not fair and everytime i ask for the reason why i got limitations they say " We have our own reason and we have the right to keep it private '', Nonsense honestly. Ive used my account for coaching sessions in a video game im very good at ( XXXX XXXX ), Never sold anything illegal or such so this decision made by PayPal is incorrect. Id appreciate any help.

Company response to consumer: Closed with explanation