vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
{$320.00} Balance updated XX/XX/XXXX Original balance {$320.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$320.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX 2021

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
{$320.00} Balance updated XX/XX/XXXX Original balance {$320.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$320.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX 2021

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-13 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I tried to use my {$25.00} virtual gift card to add balance to my XXXX account. For some reason there was a {$.00} hold not allowing me to use my full {$25.00} benefit. I was able to add {$24.00} to my XXXX account. Now I am stuck with a {$.00} gift card that I can not use anywhere. Everyone requires a minimum of {$1.00} to make an online payment. I want a check for my remaining {$.00}. It is like the company secretly does this so people just ignore/forget the {$.00} and they pocket it. It is my {$.00} but due to their " hold '' I am not able to use it anywhere. I want it back. I deserve it. This is blatant theft. Holding back {$.00}, that I would not be able to use anywhere. 

The card was activated on XX/XX/year>. The {$24.00} charge to XXXX went through on XX/XX/year>. 
I tried calling their number ( XXXX ) XXXX ( 5 ) times between XXXX and XXXX ( CST ) on XX/XX/year> to try and resolve the issue. The number just rang and was never answered. I called again at XXXX XXXX  CST and got their automated system. It just continued to reroute me to balance and to use the website. I had no option to speak to someone to resolve the issue. 

It is an American Express prepaid gift card, I was given as a reward payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
As a holiday incentive, XXXX offered an additional discount for items purchased during the XXXX holiday season. I accepted the offer, provided all required personal information for the credit card request including phone and email, made a {$210.00} purchase in XX/XX/XXXX and paid the amount in full on XX/XX/XXXX. 

On XX/XX/XXXX, my wife and I moved to a new address and informed all creditors in advance or upon receipt of forwarded mail. We diligently and consistently visited our prior post office for several months after our move as recommended by our new post office as a preemptive action. We responded appropriately to any sender of our new address as necessary ( i.e. insurance companies, magazines and other appropriate companies ). After our payment of our XX/XX/XXXX purchase, we did not receive any credit card billing information or statements from XXXX. 

On XX/XX/XXXX, a {$49.00} purchase was made at our local XXXX store. While we continued to receive XXXX emails and other promotional mail after our move, we did not receive a monthly bill for the XX/XX/XXXX purchase. And, neither my wife nor I use department store cards as a regular payment means, but I did confirm today from XXXX, a XXXX credit card agent ( # XXXX ), that we apparently used our XXXX card for the {$49.00} purchase. 

On XX/XX/XXXX, we received a notice from XXXX XXXX that a charge-off amount of {$330.00} was reported to credit reporting agencies due to our failure to pay a debt. I immediately contacted the XXXX XXXX XXXX unit and was told that if it was my responsibility to contact XXXX for any information. 

I would expect that XXXX would have received notice of a change of address and the appropriate bill would have been received and paid for the {$49.00} purchase. The past due interest, late fees and compounding amounts that drove the balance to {$330.00} is very unfair and my XXXX XXXX has been reduced by over XXXX points ( from XXXX to XXXX per XXXX ) due to XXXX XXXX account servicing failure.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
As a holiday incentive, XXXX offered an additional discount for items purchased during the XXXX holiday season. I accepted the offer, provided all required personal information for the credit card request including phone and email, made a {$210.00} purchase in XX/XX/XXXX and paid the amount in full on XX/XX/XXXX. 

On XX/XX/XXXX, my wife and I moved to a new address and informed all creditors in advance or upon receipt of forwarded mail. We diligently and consistently visited our prior post office for several months after our move as recommended by our new post office as a preemptive action. We responded appropriately to any sender of our new address as necessary ( i.e. insurance companies, magazines and other appropriate companies ). After our payment of our XX/XX/XXXX purchase, we did not receive any credit card billing information or statements from XXXX. 

On XX/XX/XXXX, a {$49.00} purchase was made at our local XXXX store. While we continued to receive XXXX emails and other promotional mail after our move, we did not receive a monthly bill for the XX/XX/XXXX purchase. And, neither my wife nor I use department store cards as a regular payment means, but I did confirm today from XXXX, a XXXX credit card agent ( # XXXX ), that we apparently used our XXXX card for the {$49.00} purchase. 

On XX/XX/XXXX, we received a notice from XXXX XXXX that a charge-off amount of {$330.00} was reported to credit reporting agencies due to our failure to pay a debt. I immediately contacted the XXXX XXXX XXXX unit and was told that if it was my responsibility to contact XXXX for any information. 

I would expect that XXXX would have received notice of a change of address and the appropriate bill would have been received and paid for the {$49.00} purchase. The past due interest, late fees and compounding amounts that drove the balance to {$330.00} is very unfair and my credit score has been reduced by over XXXX points ( from XXXX to XXXX per XXXX ) due to XXXX XXXX account servicing failure.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
As a holiday incentive, XXXX offered an additional discount for items purchased during the XXXX holiday season. I accepted the offer, provided all required personal information for the credit card request including phone and email, made a {$210.00} purchase in XX/XX/XXXX and paid the amount in full on XX/XX/XXXX. 

On XX/XX/XXXX, my wife and I moved to a new address and informed all creditors in advance or upon receipt of forwarded mail. We diligently and consistently visited our prior post office for several months after our move as recommended by our new post office as a preemptive action. We responded appropriately to any sender of our new address as necessary ( i.e. insurance companies, magazines and other appropriate companies ). After our payment of our XX/XX/XXXX purchase, we did not receive any credit card billing information or statements from XXXX. 

On XX/XX/XXXX, a {$49.00} purchase was made at our local XXXX store. While we continued to receive XXXX emails and other promotional mail after our move, we did not receive a monthly bill for the XX/XX/XXXX purchase. And, neither my wife nor I use department store cards as a regular payment means, but I did confirm today from XXXX, a XXXX credit card agent ( # XXXX ), that we apparently used our XXXX card for the {$49.00} purchase. 

On XX/XX/XXXX, we received a notice from XXXX XXXX that a charge-off amount of {$330.00} was reported to credit reporting agencies due to our failure to pay a debt. I immediately contacted the XXXX XXXX XXXX unit and was told that if it was my responsibility to contact XXXX for any information. 

I would expect that XXXX would have received notice of a change of address and the appropriate bill would have been received and paid for the {$49.00} purchase. The past due interest, late fees and compounding amounts that drove the balance to {$330.00} is very unfair and my XXXX XXXX has been reduced by over XXXX points ( from XXXX to XXXX per Experian ) due to XXXX XXXX account servicing failure.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
This company ran my credit without my approval, I have no knowledge of who these people are and why they were inquiring about my credit. I gave them a call so that I can get more information and they could not tell me why they were appearing on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
HI Recently, received three letter to an old address denying me of credit cards that I did not apply for. They are XXXX, Bank of America, and XXXX XXXX. 

XXXX Application ID XXXX XXXX XXXX Application ID XXXX Bank of America- Application ID XXXX All of these requests where not placed by me. Please let me know what I can do to report someone applying for credit cards under my name and with my social security. 

Please feel free to call me or email at my provided information. I want to make sure this does not keep happening. 

Thanks, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Upon recently checking my credit report, I have noticed my inquires and late payments I have no knowledge of, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX and XXXX  Late Payments from XX/XX/XXXX. Please remove the inquires and late payments 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 2024-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd

Complaint narrative:
To whom it may concern, Hope this email finds you well. I have recently opened a Wise account to make a transfer to my friend in XXXX for my tuition fee, amount is XXXX XXXX. I have provided all information as per request, from Passport, face scan photo, income slip and my father bank statement. 

And the Wise team has approved my provided information and my money was on the way already. Then my account was deactivated again out of blue by the Wise team not so long ago. 

I am in a really critical situation and I need my money back ASAP as I have to pay my tuition fee in time and that was my saving and my family support. 

I am currently working in XXXX and I am originally from XXXX which is a very poor country and I cant afford to pay anymore if I cant get back my refund money from them. 
I will be looking forward to hear from you soon. 

Thank you. 



Best Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc

Complaint narrative:
On XX/XX/year>, PayPal unexpectedly limited my account 's ability to send and withdraw funds without providing a clear reason. They requested that I submit various valid documents, including my National ID and proof of residence. I was unable to provide a bank statement since I haven't opened a personal bank account yet ; instead, I send money directly to my brother 's bank account. After explaining this to one of their online agents, she assured me that this would not be an issue and said she would submit a ticket explaining my situation. 

I have {$120.00} in my PayPal account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I provided proof of these earnings when I submitted the required documents. Despite my compliance, PayPal permanently limited my account, preventing me from accessing my funds. Following this restriction, I was unable to contact any agents to inquire further and received no response to my emails requesting clarification. 

2 weeks later after filing my complaint to CFPB, PayPal informed me that the limitation was due to an alleged attempt to create an additional account to bypass the restriction. I want to emphasize that I did not create any new accounts. There would be no benefit to doing so, as creating additional accounts would not help me access my funds. 

If there is any confusion regarding an account with the email XXXX, this is my brother 's account ( XXXX XXXX XXXX XXXX ). His account was also restricted recently without clear reasons, despite his compliant use of PayPal for over a year. His account was created a year ago and has no connection to the limitation placed on my account. 

Given these circumstances, I am requesting a detailed review of my case and the decision by PayPal to limit my account. I have adhered to PayPals guidelines, and there must be an error or misunderstanding leading to this situation. Holding my funds for 180 days is especially unfair, as I am a college student who relies on these earnings to meet urgent financial obligations. 

Despite raising this issue with the Consumer Financial Protection Bureau ( CFPB ), the response I received reiterated PayPal 's stance that I created an additional account, and that their decision was taken in good faith. However, I must stress again that I did not create any new accounts, and I believe there has been a mistake. 

I hope for a thorough review and resolution of this issue to regain access to my hard-earned funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I took out a loan with Santander Consumer USA with a co-borrower ( aka a co-controller ), I was termed from several places of employment throughout the loan causing me to defer payments, I have been on my own for quite sometime as I have no family no unemployment benefits or any other financial assistance. I have been doing gigs under the table to stay afloat, I was evicted from my residence in XX/XX/year>, I have not been employed since XXXXXXXX XXXX XXXX I have tried all job searching methods along with all of the job applications that I submitted and employers have refused to hire me because of my lack of employment experience and stability. I have always paid this loan and other bills timely despite being homeless and sleeping in the car. I was given resources by a member of their staff via email, however they told me without any employment stability that I am not able to get into their programs which continues to leave me homeless. I am asking that the {$450.00} remaining is forgiven as the amount of ACH is all the money I will have until I get an opportunity for a job or something under the table to pay at the time. As I stated, I have no support as I have been cut off by the people in my life due to being XXXX, I have also ended up in the hospital XXXX and during a XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of my financial situation causing me to have a {$520.00} medical bill and another {$280.00} for an emergency room visit that was as caused by XXXX XXXX XXXX XXXX XXXX leading me to almost XXXX XXXX and I have no insurance nor money for therapy. Despite this I want this resolved and I want the money back that was already paid in late fees XXXX XXXX excuses because other loan companies have and they are a XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
This company ran my credit without my approval, I have no knowledge of who these people are and why they were inquiring about my credit. I gave them a call so that I can get more information and they could not tell me why they were appearing on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
This company ran my credit without my approval, I have no knowledge of who these people are and why they were inquiring about my credit. I gave them a call so that I can get more information and they could not tell me why they were appearing on my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Ive recently checked my credit report and noticed some inaccurate inquiries reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to formally lodge a complaint against XXXX XXXX XXXX XXXX ( XXXX ) for furnishing information to credit reporting agencies without my consent. I believe this action is in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 6802 ( b ).

Recently, I discovered that DCU has furnished my personal and financial information to the credit reporting agencies without obtaining my consent. This unauthorized sharing of information has negatively impacted my credit report and privacy.

Relevant Law : 15 U.S.C. 6802 ( b ) : " Opt-out '' Requirements : This section of the FCRA requires financial institutions to provide customers with an opportunity to opt out of the sharing of their information with non-affiliated third parties. XXXX did not provide me with this opportunity, nor did I give any consent for my information to be shared. 

XXXX has shared my personal and financial information with credit reporting agencies without my explicit consent, violating 15 U.S.C. 6802 ( b ).

Lack of Opt-Out Opportunity : I was not given the required opportunity to opt out of having my information shared with non-affiliated third parties.

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