vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This collection belongs to an ex-wife of mine from a previous marriage from several years ago this is not my account please remove this account from my credit profile this is not mine 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 2024-02-25 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: FL

Complaint narrative:
I made a transaction through paypal for an XXXX  from my bank debit card in the amount of $ XXXXbut decided to cancel within the time frame given for a full refund by XXXX  on XX/XX/2024. According to Paypal a refund was issued back to my bank debit card on XX/XX/XXXX to my bank debit card. However, the bank has not received the refund of the {$540.00} back to my card. Ive called Paypal everyday starting on XX/XX/XXXX, and was told that they would do a transaction trace and that I would receive an email within 24 to 48 hours and still no email from Paypal has been received nor have I received my refund. 
As a XXXX  citizen this is causing undue financial hardship on my finances and I cant seem to get a resolution from Paypal. I feel like Im getting the run around with no resolution to my issue. The customer service number is very difficult to get to speak with someone in person and when you do they cant provide a satisfactory resolution to the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: UT

Complaint narrative:
Thursday XX/XX/2024 XXXXXXXX XXXX $ XXXXdeclined/. Amount available to spend : {$77.00} The reason for the decline : for my protection. 
Action taken by me : requested the purchase be approved multiple times. 

Me : Hi I'm getting declined Me : Unusual activity Me : Remove the hold XXXX  : Hi XXXX, okay. You can dispute the purchase from this link. 

XXXX : Dispute a purchase XXXX  : Tap to get started Me : No dispute Me : Remove the hold XXXX  : If you haven't already, starting a dispute for this purchase is the best and fastest way to get it reviewed XXXX  : Dispute a purchase Tap to get started Please note, if the purchase is still pending, you can only dispute it once the purchase has settled. 

Me : I'm not disputing Me : Remove the hold XXXX : I'll get you to someone who can help. It may take a few minutes, but you don't have to wait. We'll notify you when they reply. 

Me : Hey XXXX I don't have a minute I'm at the register XXXX leaves- -Advocate enters- Advocate : Hello XXXX! XXXX here! I would be more than willing to look into this, give me a few minutes while I review your account. 

Me : Thank you -10 minutes passes- Me : XXXX !? 

Advocate : I'm still checking your case. I really appreciate your patience, allow me a few more minutes. 

Me : I didn't have a problem with my account yesterday Advocate : I understand you're upset and I do want to help you with getting this taken care of. Our team has a zero tolerance policy when it comes to abusive language. If you continue using this language I won't be able to continue assisting you. 

Me : it was the chat bot Me : You just hurry up Me : Hello Advocate : I believe this is going to take a few more minutes than expected. Thank you for your patience while we are working on this. 

Me : XXXX this is absurd Me : What unusual activity is your buisiness? 

Me : Not any more Advocate : I'll reach out directly to our specialty team so they can help you with this. What's a good email address to reach you at? 

Me : Don't have time for this I'm going to try one more time then your fired Advocate : Give me a moment while I check on this, please. 

Me : You see how your employees bait me to swear!? 

Me : I'm not amused at all

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I filled out a credit application for my business for a vehicle through XXXX. While asking them what the process was and what they needed the salesman explained that they have a unique situation with the lenders. He stated that because of the industry size they have XXXX  pulls the credit profile and sends it to the banks. He said its beneficial to businesses owners since it would only be 1 pull of the credit and the bank they use get the credit report from XXXX  so I will not have multiple inquiries ran on my report. 

Despite that promise, and the only reason I allow my credit to be ran, the banks without my authorization or consent pulled my credit anyway. This resulted in not just 1 inquiry but many. All these inquiries were dont in a fraudulent matter without my knowing

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 2024-02-25 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I filled out a credit application for my business for a vehicle through XXXX. While asking them what the process was and what they needed the salesman explained that they have a unique situation with the lenders. He stated that because of the industry size they have XXXX  pulls the credit profile and sends it to the banks. He said its beneficial to businesses owners since it would only be 1 pull of the credit and the bank they use get the credit report from XXXX  so I will not have multiple inquiries ran on my report. 

Despite that promise, and the only reason I allow my credit to be ran, the banks without my authorization or consent pulled my credit anyway. This resulted in not just 1 inquiry but many. All these inquiries were dont in a fraudulent matter without my knowing

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase / Amazon account number XXXX XXXX XXXX XXXX Chase maintains they have no affiliation with Amazon. However the Chase Credit Card was set to default on Amazon without notice to me. The account has since been closed and I paid off the Full Principal that I could not confirm I did not incur. ( {$74.00} ) Despite paying off the Principal in full, Chase bank continues to send me statements charging additional late fees and interest upon those aggregating late fees and interest upon that interest. It is harassment. 

I would provide an attachment showing that Principal paid in full, however Chase has closed the account and locked me out viewing my previous transactions, so I can provide no documents to you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is my THIRD request for information under Title 15 U.S.C 1681i, FCRA 611 ( a ) 6 ( ) ( B ) ( iii ) /FCRA 611 ( A ) ( 7 ). 
I submitted the first request in response to my dispute submitted via CFPB # XXXX XX/XX/XXXX with the basis of my dispute being that under FCRA 602 I have a right to privacy and under FCRA 604 ( a ) ( 2 ) states a credit reporting agency can not furnish an account without my written instructions. 

On XX/XX/XXXX I received a response stating that the Trade : XXXXXXXX XXXX XXXX XXXX XXXX # XXXX was verified /updated then I submitted a request in accordance with FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) / FCRA ( 2 ) other times on dates XXXX CFPB # XXXX, XX/XX/XXXX XXXX I received some type of response pertaining to a need for more identification, which I sent each time via USPS regular mail and also uploaded my I.D . But received absolutely NOTHING that remotely resembles what the law requires requires in accordance with : Title 15 U.S.C. Title 1681i, FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) / FCRA 611 ( A7 ).

Therefore, I am unfortunately having to upload my I.D . and Social Security info after doing this a few times already. 

I an also requesting the same information for the THIRD time in accordance with FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) / FCRA 611 ( A ) ( 7 ). 

Unfirgunately, I also received another request for I.D . On XX/XX/XXXX this is very frustrating!! 

I understand that when submitting my requests your untimely responses requesting my I.D . 
but sending no information that I requested as per the procedures that were used that led you to determine that my dispute be verified/updated, along with the person you spoke to and their name ( s ), telephone number and address could lead to me having to take your agency to court for not providing the information in a timely manner, and I also understand I could receive financial compensation for that violation of not doing what is required by law in 15 days. 

Delete this Trade it is in violation of my privacy, I gave no one written instructions for it to be furnished by your agency on my credit report. 


1 ) 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 2024-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
This collection belongs to an ex-wife of mine from a previous marriage from several years ago this is not my account please remove this account from my credit profile this is not mine account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I received a letter form Bank of America stating I had opened up 2 new accounts with their organization. I have never done so. 

The letter came from : Bank of America Digital Account Opening XXXX XXXX XXXX XXXX XXXX AZ. XXXX Letter was Presorted First-Class mail paid for by 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 2024-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I asked several times over the years for Experian, XXXX credit reporting agency for some kind of proof that this bankruptcy from : ( us bkpt XXXX XXXX XXXXXXXX ) Date filed : XX/XX/16 Ref # XXXX This furnish account looks very much like a kid type this out using random letters rather then complete sentences very tacky display please correct this inaccurate information or delete it another thing this account is past the 7-years please delete from my credit report 3rd reason this bankruptcy is not reporting across all three credit bureaus

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 2024-02-25 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: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 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: DISCOVER BANK
State: MD

Complaint narrative:
Gramm-Leach-Bliley Act ( GLBA ) : The GLBA requires financial institutions to provide consumers with privacy notices explaining their information-sharing practices and to obtain opt-in or opt-out consent before sharing nonpublic personal information with non-affiliated third parties. 

Fair Credit Reporting Act ( FCRA ) : The FCRA regulates the collection, dissemination, and use of consumer credit information. It requires consumer reporting agencies to obtain permissible purpose and consumer consent before providing consumer reports to third parties. 

These federal statutes establish requirements for obtaining consumer consent or permission before sharing personally identifiable information and aim to protect individuals ' privacy rights and sensitive data. 

Neither XXXX, XXXX, XXXX, or XXXX XXXX XXXX XXXX can produce the disclosures that I was required to receive by law to share my personally identifiable information with a non-affiliated third party. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, states : ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

Failure to provide these disclosures and the subsequent sharing of personally identifiable information amounts to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: VA

Complaint narrative:
I have 2 cash app accounts that I use regularly and BOTH verified with my ID. However my XXXX  boy was tricked by someone one the game and they gained access to my account. I contacted cash app About 20 times and ONE representative told me someone had access to my account. But I would have to wait on a manager to assist. Nothing is being done about this situation and I have NOT been allowed access to my account yet a stranger has. They are basically refusing to assist me or care enough to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: SD

Complaint narrative:
Sent disputes with Experian regarding a lot of inquires that I dont know who or what they are also there is charge offs that are still in there which should t be since the claimed charge off which makes it earned income but I havent received my 1099c and all my disputes file I havent heard anything and nothing. Even taken off report like should be. Only one I heard from is XXXX  XXXX regarding Loan and they lying about situation

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 2024-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I asked several times over the years for XXXX, TransUnion credit reporting agency for some kind of proof that this bankruptcy from : ( XXXX XXXX XXXX XXXX XXXXXXXX ) Date filed : XX/XX/16 Ref # XXXX This furnish account looks very much like a kid type this out using random letters rather then complete sentences very tacky display please correct this inaccurate information or delete it another thing this account is past the 7-years please delete from my credit report 3rd reason this bankruptcy is not reporting across all three credit bureaus

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 2024-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC
State: NC

Complaint narrative:
I have never had an account with XXXX, and certainly not within the last two years. It popped up on my credit out of nowhere with the third-party Jefferson Capital . Ive already disputed it twice because I am positive that I have not had an account with them needs to be deleted from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 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:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 explanation
Consumer complaint received 2024-02-25 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: NJ

Complaint narrative:
Transunion, XXXX and XXXX Fail to provide notice of dispute sentence on my credit report which is a violation of my rights as a consumer. According to FDCPA Section 807 ( 8 ) A person have 30 days to update consumer report with a notice of dispute sentence on credit report and that was not done on a lot of my accounts which I would attach proof with to this complaint I disputed with The CFPB on multiple occasions. Some Bureaus was giving more than 30 days still no update so NO investigation was done. This a violation of my right delete these account immediately From XX/XX/XXXX to XX/XX/XXXX and even before that NO NOTICE OF DISPUTE so no investigation was done to my credit delete immediately for this violation. 

FDCPA Section 807 ( 8 ) 807. 
False or misleading representations [ 15 USC 1962e ) ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

FCRA Section 623 ( a ) ( 3 ) 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2| ( a ) ( 3 ) Duty to provide notice of dispute. If the complete-ness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

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 2024-02-25 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: TX

Complaint narrative:
In Accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protect consumer right to privacy and confidentiality under U.S.C 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 report agency can not furnish an account without my written instructions. 15 U.S.C 1687c. ( a ) ( 5 ) Section States : No Consumer report agency may make any consumer report of the following items of information. Any other report 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 reporting agency if the person knows or has reasonable cause to believe that information is inaccurate. 
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