vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-22 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: TN

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have several letters to XXXX, XXXX, and Transunion advising of incorrect names, addresses, birthdates, and socials. They only responded that they updated the information ; however, all files still show incorrect personal information. When I called, they stated they could not remove the incorrect information. This has caused me to get denied loans and credit because my identity could not be verified. These letters were all sent within the last year, with my last attempt being in XXXX of 2023.

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 2023-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I got a letter from Credit collection services XXXX XXXX XXXX XXXX, MA XXXX This is regarding file number XXXX This charge was falsely against me. XXXX missold a device to me and im happy to return it back, i have not used at all. 
I went to the XXXX  store to return which was not accepted, i called XXXX  to send a return label which was not sent. 
I responded to the collection services with the attached response, still it showed up on my credit rating. 
please help me My old address is XXXX XXXX XXXX XXXX XXXX  XXXX XXXX New address is XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, Tx XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Bank of America closed my account on Friday XX/XX/XXXX and they have a pending closure date of XX/XX/XXXX. I was have not able to pay my late rent or car note because of this. I have not been able to provide food for my family. They have been giving me the run around as I explained that I need my money from this account to take care of my small children and pay my bills. I called them everyday XXXX  and XX/XX/XXXX and they still dont know when I will get my money. I explained this is creating a hardship and may cause me not to be able to pay my rent next month. They told me it could be 10 business days for them to even review my hardship withdrawal request. This is ridiculous. 


I had XXXX  direct deposit from my employer go into this account on XXXX  and they wont give me my money. Since I have not been able to get my money when they have the ability to allow me to withdraw my funds from the branch and close the account.

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 2023-08-22 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: OH

Complaint narrative:
Recently took a look at my credit report and noticed some hard inquiries that are not familiar. I reached out to the company 's and requested my authorization documents only to be ignore. Violating section 609 and 604. I would like all theses hard inquiries from all 3 credit bureau immediately it's affecting my ability to get approved for offers. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 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: OH

Complaint narrative:
Recently took a look at my credit report and noticed some hard inquiries that are not familiar. I reached out to the company 's and requested my authorization documents only to be ignore. Violating section 609 and 604. I would like all theses hard inquiries from all 3 credit bureau immediately it's affecting my ability to get approved for offers. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Please REMOVE to my credit report the FRAUD ALERT I did not authorize anyone to add it to my report, kindly remove it ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I checked my XXXX XXXX and noticed some accounts I am unaware of that have been bothering me. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22 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: VA

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 informationisinaccurate.

I am attaching the letters and supporting documents in this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23 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: Google Compare Credit Cards Inc.

Complaint narrative:
Company related to this case : XXXX Product : Google Pay Company-side Case ID : [ XXXX ] Date : XXXX Amount : N/A ( Since it's a denied transaction ) About a month ago ( XXXX ), I began using my XXXX account on a XXXX  XXXX XXXX. As I am currently residing in XXXX, I attempted to charge my XXXX XXXX card using the Google Pay app. However, my purchase request was suddenly denied, and I received an email stating that my pay account had been temporarily suspended for security reasons. The email instructed me to visit the Google Pay website and submit my bank statement ( attached below ) along with a photo of my card showing previous transactions with XXXX. I followed the instructions precisely and submitted the required documents. 

However, approximately an hour later, I received another email with the same instructions, without any explanation or reason for rejection. This made me suspect that there might have been a mistake, so I reached out to the Google Pay team by submitting a ticket ( Case ID : [ XXXX ] ). Unfortunately, after a week of correspondence, I received templated responses repeatedly, with the team continuously stating that they needed to verify my identity in order to reactivate my profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 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: CA

Complaint narrative:
XXXX ran my credit back on XX/XX/. I called them directly with no resolve. I disputed it with TransUnion but they have not removed it. I have written letters and it still has not been removed. 

XXXX XXXX ran my credit XX/XX/2023. I did not authorize this. I wrote them a letter and it was returned unclaimed. I disputed with XXXX but they did not remove it.

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 2023-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PR

Complaint narrative:
I sent this letter to Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One Consumer Services, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Re : Never applied the 0 % APR for 15 months on my account. 
Act # : XXXX Dear Capital One : Yesterday I received the replacement card ; I entered the app to activate the card when I noticed `that Capital One started to charge me interest on my account. One of the reasons I open this account was because I will Have for 15 months no interest rate.

I immediately called customer service but was not able to find my final agreement. She looked and looked but never found it. I told her that once you find it call me. After we ended the call I went over my pc and found the offer, not only that, you requalify me for this card and the offer was 15 months no APR % for 15 months also a bonus of {$200.00} I never receive it! 
Capital One has been charging me around {$1000.00} interest charges during this period as a mistake. Please investigate and return my money as a credit to the accountant. I dont need the cash just give me a credit over that money. If you have any questions regarding this matter, you can call me at XXXX. 
Sincerely, XXXX XXXX Today I called to follow up to the case and a supervisor told me that he have my agreement and send me the agreement that has nothing to do with the one that I have also I notice that the interest rate is not even the one that they offer last year, they are giving me picture of today 's or my account terms not the ones in XXXX when I apply.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
The credit reporting agencies are reporting inaccurate and incomplete information on my credit report. The notation of the late payment on my XXXX XXXX account is inaccurate. By the provisions of the consumer protection laws, please update my payment history to PAANL status ( Paid as agreed, never late ) and supply a corrected credit profile to any creditors who have requested a copy of my report in the last six months. Also, I have attached a letter from XXXX XXXX to this dispute stating that this account was always paid on time and in good standing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22 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: UT

Complaint narrative:
The credit reporting agencies are reporting inaccurate and incomplete information on my credit report. The notation of the late payment on my XXXX XXXX account is inaccurate. By the provisions of the consumer protection laws, please update my payment history to PAANL status ( Paid as agreed, never late ) and supply a corrected credit profile to any creditors who have requested a copy of my report in the last six months. Also, I have attached a letter from XXXX XXXX to this dispute stating that this account was always paid on time and in good standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
Wells Fargo sent my loan to an attorney for Foreclosure without properly assisting me with payment options. I have been trying to get help through the XXXX XXXX XXXX XXXX. I applied in XXXX, and have not heard from them yet. I was able to make a mortgage payment in XXXX. Every time I talk to Wells Fargo, everything falls on deaf ears.

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 2023-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Account was fraudulently opened under my name. Bank sent me a letter dismissing the account and deleting the account a debt collector is violating my right for the 3 time they were able to post the same debt under my credit. Please removed the account from the 3rd time this is absolutely annoying and disrespectful after I proved them I got nothing to do with that collection. 
Debt collector is XXXX XXXX XXXX Account was opened in XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
15 U.S.C. 1681A2 I did not give written permission to have these accounts furnished on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 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: EQUIFAX, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX, and i have been trying to get information from my credit report. Reference Number : XXXX that is on my report. All I have been receiving from them is generic responses, when I have requested actual documentation from them. Attached is two letters and one documentation sheet that has been sent to them. Requesting the actual documentation on the Reference XXXX. In my knowledge if they can not obtain the actual documentation, it should be removed from my reports. e-Oscor is not valid the letter i upload are same as i sent each credit reporting burel

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 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:
When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Im XXXX when I lost my job I inform XXXX  XXXX that I need assistance and I placed a credit protection to pay the minimum payment. in XXXX they close my account because my payment was returned but I placed a credit protection so thats shouldnt happen because I have credit protection so they remove the credit protection without notifying me and that cause card to be closed and also become delinquent from then also they never give me any accommodation from the law 15usc 1681S-2 ( A ) ( 1 ) ( F ) and they damage my credit score I attached to documents below one where is show credit protection and the next month no credit protection or that the credit protection was remove

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Please REMOVE to my credit report the FRAUD ALERT I did not authorize anyone to add it to my report, kindly remove it ASAP.

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 2023-08-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Someone accidentally sent me money ( {$580.00} ) through paypal Goods and Services when they were supposed to send me a payment request. I immediately called paypal to try to get it reversed. I was able to get the senders money reversed but Paypal decided that they needed to have my Social security number which they do NOT need since this mistake was under {$600.00} ( threshold for it to be taxed ). I spent hours on the phone. The first call to XXXX was dropped by paypal after about 21 minutes on hold. The second call ( 1 hour and 5 minutes ) I reach XXXX, then account specialist XXXX, then supervisor XXXX. They were not helpful and offered no solutions. There is a large banner over my account when I log in. They said I need to provide them with my SS # to be able to send money and use the account, EVEN THOUGH I AM BELOW THE {$600.00} LIMIT WHERE THEY WOULD NEED IT!!! And next year when the balance toward the {$600.00} limit is zero they still want my SS #. They just want to have it!!! I will NEVER give them my SS #!!!!!!!! Shame on them to collect and store people 's SS # s!!!!!! The worst part about all this is that the money being temporarily in my account was a mistake by someone else who was suppose to send a money request. SHAME ON PAYPAL!! What an unethical company!!!!! And in this age of identify theft, with databases being breach every day, they are totally unethical to collect such sensitive information ( PII ) when they do not need it ( accounts not reaching the {$600.00} limit ). What an awful company!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Synchrony Financial added a payment protection program to my Amazon Store credit card without my consent and charged it to my account. I was never notified in any way that this would happen nor did I want it. I have cancelled the service with their automated system.

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