vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-13 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: HI

Complaint narrative:
I had a credit card with XXXX XXXX which they closed for no reason. I was paying it off monthly. I have been working hard to get all my debts paid and make sure my credit report was accurate because I am trying to buy a house. I made my last months payment and due to an error in THEIR system it drafted from my old account so my payment was returned. They were calling me XXXX times a day but the number doesnt come up, it says spam and they were calling while I was at work. Once I realized the error I immediately paid and the payment cleared BUT they had updated on my credit reports that the account was past due and that I owed {$240.00}. I owe {$140.00} and this balance will be paid off with my next payment. Also, it says I have a past due amount which I have a screen shot of saying I do not. I couldnt get in touch with XXXX XXXXXXXX because I no longer have this card and when you call you need an account number or they hang up on you. So I cant even dispute this with them on my own. As a result of this situation my credit score dropped XXXX points with experian in one day. And it dropped XXXX points with XXXX. All of the work Ive done with my credit in the past year is completely invalidated. The credit reporting agencies are very quick to report one error but will not report/update the inaccurate information. Its very frustrating and unfair.

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 2023-01-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My Bank of America Credit Card was paid off in full at the end of XXXXXXXX XXXX XXXX  according to the current statement balance, so I was under impression everything is paid off and I don't owe anything to the Bank of America. To my surprise, I checked my account and XXXX weeks after I paid of my balance Bank of America charged me and Interest fee of {$210.00}. When I tried to call a representative she told me that their rule is that your balance have to be paid off for XXXX  months in a row. So basically BOA charged me Interest on {$0.00} balance. Completely illegal and predatory activity, that need to be prosecuted.

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 2023-01-13 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: GA

Complaint narrative:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file 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 2023-01-13 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: AL

Complaint narrative:
These companies are no longer available due companies close down no longer a hospital saling people person information identity theft required full investigation an disclosure if u can't provide anything I requested everything should be removed off my credit report I requested to dispute it 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 2023-01-13 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: AL

Complaint narrative:
These companies are no longer available due companies close down no longer a hospital XXXX people person information identity theft required full investigation an disclosure if u can't provide anything I requested everything should be removed off my credit report I requested to dispute it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UPGRADE, INC.
State: TX

Complaint narrative:
XXXX  {$500.00} XX/XX/22 XXXX {$500.00} XX/XX/22 XXXX {$500.00} XX/XX/22 I noticed three very large charges on my XXXX XXXX XXXX XXXX Upgrade Checking Account that I didnt make. As a former and current victim of identity theft I obviously became very alarmed. I notified Upgrade and went through the dispute process. I was informed the money for the large charges would be back in my account within 10 days. I let XXXX XXXX XXXX know that Id been a victim of identity theft recently with someone attempting to file a federal income return in my name, as well as apply for a boat and numerous payday loans, and credit cards. Also, my credit monitoring emailed and let me know my information had recently been comprised on the dark web. 

I tried to get in touch with this XXXX. And the only one I could find was one that didnt have a phone number and had many class-action lawsuits filed against them. 

I finally received a letter from XXXX XXXXXXXX XXXX saying my dispute was denied. I was shocked and very upset. I called and they said the reason was whoever made the charge had some of my personal information. I again explained my identity theft situation but it fell on deaf ears. They were very cold and unhelpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Block, Inc.
State: CA

Complaint narrative:
Cashapp has a check cashing feature. The feature was absent on my instance of the app. 
I contacted support to inquire about why I didn't have the ability to cash checks. They denied me access to the service and refused to give me any explanation as of why. They only said it is not overridable. I suspect they are discriminating against me, so I would like an explanation as to why other users are able to cash checks on cashapp but I am forbidden. 

Also, their fees are obscene and I suspect they are cheating me on my daily buys by using bogus price quotes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
The company constantly restricts my account from making withdrawals without legitimate reason after I have repeatedly verified identity andet all requests. Over and over again Coinbase wait until XXXX  is added to my XXXX  and then decides to inform me that my account is restricted from making withdrawals. However, they don't disclose the reason and I feel it is an abuse of their authority because they don't restrict deposits from being made to account that they are having suspicion with, only when consumer tries to withdraw. After making simple change such as updating an email address or anything. I have had my account restricted over XXXX times in the past year for doing nothing simple transfers that I am allowed to make. Today, again after sending a small purchase of XXXX  of {$9.00} on XXXX XXXX to my coinbase account it was accepted then I go to withdraw the XXXX  payment to another account and it says I'm again restricted. I have spent hours on the phone with customer service, sent countless emails explaining my issues and yet they continue to restrict my account and place holds for no reason. I ask them if it's identity issue then why is then restriction not removed immediately after I've supplied all the details. They say it has ti be escalated and provide no transparency to the account owner about the nature of the issue. They cause issues with my related debit cards and various XXXX  I link anytime they restrict my account and sometimes cause issues with me being locked out of those accounts as well which create havoc when I'm trying to handle business day-to-day. I am sick and tired if this type of treatment and feels unjustly harassed by this large corporation thag feel they can mishandled customers XXXX funds, data, and private information at their whim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights under 15-USC1681 section 602 it states I have the right to privacy. USC1681 604 section 2 states consumer report agencies can not furnish an account without my written instructions. Under 15USCS 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purposes. Please remove. 

These three reporting agencies reported to my credit report when these were my ex husbands cards and accounts. I was not a joint holder on these accounts. These were all closed with XXXX balance and these accounts were his to pay off in the divorce. After the divorce these showed up as late marks on my credit. I never used these cards or account and we werent even married in these months. 

( 4 ) Capital 1 ( 5 ) Bank of America ( 5 ) Regions

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 2023-01-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: Chime Financial Inc
State: NV

Complaint narrative:
I have no access to any of my money as it seems likethere is a freze on my name or something... please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 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: GA

Complaint narrative:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX Balance : {$37000.00} ; XXXX XXXX  XXXX Balance : {$34000.00} ; XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX  XXXX ) XXXX Balance : {$75.00}.

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 2023-01-13 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: GA

Complaint narrative:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX : {$37000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$34000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$75.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
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 an 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 or 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 explanation
Consumer complaint received 2023-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: HI

Complaint narrative:
On XX/XX/XXXX, I used PayPal XXXX XXXX service to make a payment of {$1600.00} and {$1200.00} to a XXXX credit card. PayPal claims payments usually take up to XXXX business days. The payments didn't post until XX/XX/XXXX. After searching around on the internet about the problem I found out that there were many other people experiencing the same problem with funds that were held up from XXXX/XXXX - XX/XX/XXXX. 

First I chatted with XXXX on XX/XX/XXXX and asked them to investigate the missing payments. Then I contacted XXXX also on XX/XX/XXXX, the PayPal subsidiary that handles money payments. They told me the payments I made show as sent and that I should let XXXX conclude it's investigation and if that didn't work I could dispute the payments with XXXX. 

Today when I discovered this post by searching the internet : https : XXXX # XXXX - I found out that the payment company that PayPal/XXXX  use XXXX XXXX XXXX called XXXX. Apparently many other people in that post/thread as well as other threads on the internet have complained about their XX/XX/XXXX payments also being delayed until today, XX/XX/XXXX. I didn't contact XXXX, because by the time I discovered the company resposible, other customers had called and alerted them about the problem and they fixed it. 

The PayPal XXXX XXXX service has been very handy for me in the past, but delays in their payment handling have been more frequent and longer. I want to continue using their service but I'd like to know why my money is being held more frequently and longer. I've experienced 7 day delays in the past but 16 days for them to process a payment is worrisome. I am concerned as to why they are holding the money so long and whether it is truly just a mistake on their part or whether there's more to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 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:
I called transunion and spoke to agent XXXX to get fraudulent inquiries removed from my account and he refused on XX/XX/2023 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 explanation
Consumer complaint received 2023-01-13 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: Affirm Holdings, Inc
State: PA

Complaint narrative:
We were applying for mortgages and there was a strange charge on the credit score. We contacted Affirm multiple times and they were unable to find our information ( obviously, because we did not open the account so some our information did not match ). Finally, they were able to find the account under my name. We received an email XX/XX/XXXX stating our account was not our responsibility and we would not be held responsible. Our mortgage lender asked if we could that in an official letter. We contacted them and they sent us a letter which stated the loan was ours and we were responsible. Which is incorrect information. We called back 3-4 times. Got disconnected, got told we couldnt have anything else done. Finally spoke to yet another supervisor who said the only official letters they send are ones that show the loan, even if it is found fraudulent. I asked if they knew specifically when the loan would be removed from our credit. 30-60 days is all they could answer. This fraudulent charge is preventing us from getting a home and all we want is a paper stating the charge is not ours.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
XXXX XXXX XXXX Synchrony Bank XXXX said they didnt receive my payment. Which was a lie. So I made a second payment. They posted the second payment and then XXXX minutes later posted the original payment. Which created a double payment. Which created a credit balance on my account. I told them to send me a check for the credit balance ( XXXX ) and they refuse. This is illegal. I am turning to you, Consumer Finance Gov to help ME get MY money back. This is a nighmare.

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 2023-01-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Acquired Assets, Ltd.
State: NV

Complaint narrative:
I just received a letter from XXXX and Associates ( XXXX XXXX XXXX, XXXX, NY, XXXX ) ( XXXX ) who apparently bought debt from XXXXXXXX XXXX in my name personally. They say that I owe {$2600.00} for a year of XXXX for my COMPANY that I did not want to renew for a year in XXXX XXXX XXXX  I did not renew the XXXX and the XXXX  stopped working inside of a month per what the XXXX firm said was going to happen. This firm has probably done this to many other individuals. Its not even a XXXX an individual would own.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 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: OH

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. 

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. 

XXXX5 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 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