vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
On XX/XX/22 my friend was sending me money through paypal friends and family. He had owed me money because last year I paid his rent when he XXXX XXXX and couldn't work. He sent me total of {$6000.00} and the next day paypal put a permanent limit on my account and now I cant transfer the money, I cant use the money, I cant send or receive any more money. I submitted ALL the necessary docs possible such as DL, social, birth certificate, passport and even multiple bank statements and they are STILL holding my funds!!! This is negatively effecting my ability to pay bills and support my family and they are constantly giving me the run around. I do everything they ask yet they continue to tell me " 24 hours '' " 72 hours '' blah blah blah

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-14 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 XXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX BANK Account # XXXX, XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-07-14 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX BANK Account # XXXX, XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 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: SC

Complaint narrative:
There was not a fair and accurate investigation. My rights were violated. In accordance with the Fair Credit Reporting Act XXXX Account # XXXX was not deleted. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

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 2022-07-14 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: SC

Complaint narrative:
There was not a fair and accurate investigation. My rights were violated. In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX was not deleted. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
ACCT # XXXX XXXX XXXX XXXX CARD IS PAID OFF

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 2022-07-14 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: NY

Complaint narrative:
I sent a letter off on XX/XX/2022. Here are my tracking numbers # XXXX, XXXX, and XXXX To remove personal information that I do not want on my credit report. According to the fair credit reporting act 15 USC 1681 : 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 an account without my written instructions. Also according to 15 USC 6802 : No financial institution is not suppose to share my information to third party people.

These are clear violations of my federally protected consumer rights.

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 2022-07-14 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: FL

Complaint narrative:
In accordance to the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights on Account Numbers : 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 All for {$20.00} each. XXXX XXXX account XXXX for {$160.00}. XXXX XXXX XXXX  account XXXX for {$190.00} Inquiry from XXXX XXXX XXXX XX/XX/2022 As per 15 usc 1681 a ( e ).

As per 15 usc 1681 section 602 A. I have the right to privacy.

As per 15 USC 1681 section 604 A section 2. A consumer reporting agency can not furnish a account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 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: WA

Complaint narrative:
CFPB Write up In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-07-14 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: WA

Complaint narrative:
CFPB Write up In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX BANK 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, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 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: CITIBANK, N.A.
State: IL

Complaint narrative:
It has been well over 30 days, and I have not received any investigation results. I have filed a dispute in regard to the incorrect items on 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 explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I used EnerBankUSA to provide credit for a home improvement project. The loan amount is {$5400.00} with 7.99 % interest. They have charged a minimum payment of $ XXXX and are now claiming that entire payment has gone to interest. 

Daily amortization on that amount is approximately {$1.00} per day totaling {$36.00} per month. Unless they are changing the loan terms and not producing it on the statement their math is incorrect and they are enacting fraudulent charges.

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 2022-07-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I sent a payment through XXXX for an item ( authentic XXXX XXXX purse ) I did not receive. I was scammed out of {$900.00} on XX/XX/22 and was denied reimbursement by my bank, Capital One. The seller will not answer any of my calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 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: SC

Complaint narrative:
There was not a fair and accurate investigation. My rights were violated. In accordance with the Fair Credit Reporting Act XXXX Account # XXXX was not deleted. 15 U.S.C 1681 section 602 A. states I have the right to privacy. 15 U.S.C section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

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 2022-07-14 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

charge-off with 3 different dates listed under " date of last activity '' XXXX XX/XX/2016 XXXX XXXX XX/XX/2016 XXXX Experian XXXX XXXX Based off that information provided I show a violation of my fair credit reporting rights on accurate reporting.

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 2022-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FC HoldCo LLC
State: MT

Complaint narrative:
Flagship Credit Acceptance ; XXXX XXXX XXXX XXXX, TX XXXX I called and asked why Flagship listed under comments " Affected by Natural Disaster. '' I explained we were not affected by natural disasters. The agent then told me that we must have been because we filed for extensions. I said we were not, and that is not accurate. She explained we must have been hit by a hurricane or tornado, which is why the comment was listed. I said we lived in XXXX, there were no such events. Then she changed the reason to Covid. I said do you have proof of that? I was under the impression that Covid-related issues couldn't be held against you from XXXX, which is irrelevant because Covid is not a natural disaster. She said it must be Covid, and they did not have a code for Covid, so it was listed as a natural disaster, but she couldn't view the notes. I asked her to remove the comment she said no. The bottom line we were not affected by a natural disaster, and Flagship can not account for an actual reason for this comment but will not remove it. A conversation was had on XX/XX/2022

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 2022-07-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On XX/XX/2022, my husband ( XXXX XXXX ) and I went to look at a car XXXX XXXX XXXX XXXX in XXXX NC. We talked with the salesmen about how wed like to trade in my car but only for a good price and that we wanted the price on the car we were looking at, knocked down for cosmetic reasons. The salesmen, XXXX, stepped away for over 45 minutes, then we randomly received emails stating our credit had been ran, without our consent. He ran our credit before even discussing a price with us. Not for my trade in value, or for the price of the vehicle we were looking at. I am absolutely appalled and thrown back that our credit was run without our consent or authorization. Upon discovering this, we decided we would not be purchasing from them and left before theyd get the chance to run it again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 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: Convergent Resources, Inc.
State: IN

Complaint narrative:
put me into collections with and account I have on autopay and o n't fix

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 2022-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
XXXX XXXX Tried to open a checking account for my daughter at BOA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX United States XXXX XXXX processed to open an account but needed his supervisor approval. The supervisor is XXXX XXXX. 
XXXX XXXX denied our request for opening the checking account. She insisted seeing the original SSN card. We were not notified to bring it to the bank. Not mentioned at all by the bank when we were there making appointment on XX/XX/XXXX. Only asked for passport and a credit card. I offered to provide tax return documents showing the SSN. Firmly refused by XXXX XXXX. I believe she violated bank rules. As explained by XXXX XXXX in an email to my question about the SSN : Unfortunately, once we receive an alert notification that further verification of the legitimacy of the SSN is needed, we are, as explained, required to see proper documentation, be it the SSN card, the SSA letter, or a tax return, with no room for exception. 

Very frustrated by XXXX XXXX, either she is not clear about the bank rules, or she deliberately deny our account open request. Either way is not acceptable. 

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 2022-07-14 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: EQUIFAX, INC.
State: DE

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

charge-off with 3 different dates listed under " date of last activity '' Equifax XX/XX/2016 XXXX XXXX XX/XX/2016 XXXX XXXX XXXX XXXX Based off that information provided I show a violation of my fair credit reporting rights on accurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 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: SC

Complaint narrative:
There was not a fair and accurate investigation. My rights were violated. In accordance with the Fair Credit Reporting Act XXXX Account # XXXX was not deleted. 125 U.S.C 1681 section 602 A. states I have the right to privacy. 15 U.S.C section 604 A section 2 : also states a consumer reporting agency can not furnish an account without my written instruction.

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 2022-07-14 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: SC

Complaint narrative:
There was not a fair and accurate investigation. My rights were violated. In accordance with the Fair Credit Reporting Act XXXX Account # XXXX was not deleted. 125 U.S.C 1681 section 602 A. states I have the right to privacy. 15 U.S.C section 604 A section 2 : also states a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was overseas for 5 years doing XXXX XXXX ; during almost all those years ( XXXX to XXXX ) I was able to pay all my credit cards on line on time and more than minimum due amount. Until during the pandemic as well as the USA Sanction on XXXX, around end of XXXX, I couldn't access my Capital One credit card at all, unlike all other credit cards that I had! 
As difficult as it was to contact USA via phone or email, I tried several time ( many many many times for months ) contacting Capital one asking to give me a code to access my account & they wouldn't do that. All other credit cards did and I had no problem paying them. Capital One kept emailing me telling me I was past due... I would contact them and ask them to at least email an image of my statement, the same way they're notifying me of past due & still they wouldn't! They claimed they couldn't email to XXXX!! 
I kept paying all other credit cards on time and more than enough up until XXXX XXXX when I came back to USA & found out my credit report was destroyed due to this act of Capital One. BTW, I even made an special payment of {$170.00} to them in XXXX of XXXX in order for them not to send it to collection agency until I get back to USA, since they were threatening me. I even tried finding an office of theirs to go to and talk to a manager or someone in charge, but was sent to ATM locations of theirs in two different areas in XXXX  instead!! I even called a credit people who help clear your bad credit and they told me the damage was already done. I wanted to actually sue the Capital One for ruining my very good credit of many years in XXXX ( over 40 years ). But I had and still have more priorities than this ; I've been looking to rent a place for me and the couple of animals I rescued from XXXX & each time this now Bad Credit has become a barrier for us finding a place to live. I wish I knew about your organization 6 months ago when I came back to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 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: SC

Complaint narrative:
There was not a fair and accurate investigation. My rights were violated. In accordance with the Fair Credit Reporting Act XXXX Account # XXXX was not deleted. 15 U.S.C 1681 section 602 A. states I have the right to privacy. 15 U.S.C section 604 A section 2 : also states a consumer reporting agency can not furnish an account without my written instruction.

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 2022-07-14 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:
I sent a letter off on XX/XX/2022. Here are my tracking numbers # XXXX, XXXX, and XXXX To remove personal information that I do not want on my credit report. According to the fair credit reporting act 15 USC 1681 : 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 an account without my written instructions. Also according to 15 USC 6802 : No financial institution is not suppose to share my information to third party people.

These are clear violations of my federally protected consumer rights.

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