vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-28 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: VA

Complaint narrative:
My Hard Inquiries are not correct. I have never requested credit from 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 non-monetary relief
Consumer complaint received 2023-12-28 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
My Hard Inquiries are not correct. I have never requested credit from XXXX XXXX XXXX XXXX ( after my account was already opened )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 2023-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC
State: AL

Complaint narrative:
I called National Credit Associates in XXXX of XXXX  and asked them to verify the {$5000.00} they say I owe them. I was told someone would get back to me to verify my concerns and that the debt was now considered in a " Dispute '' status. No one has contacted me to date and their false information remains present on my credit reports. 
I filed a dispute through XXXX XXXX and through XXXX. XXXX XXXX supported the claim made NCA and allowed them to remain. XXXX XXXX makes money by collections staying on consumers ' reports, so why would they assist me with this fraudulent claim? 
Currently, NCA is committing fraud by trying to collect on a discharged debt by XXXX XXXX. Currently, for the state of California, where the Debt originated, was XXXX of XXXX. " The statute for debt collectors, is 6 years to file a judgment for an unsealed written contract. '' The statute of limitations for Alabama, where I currently live is 4 years to collect an unsealed debt. Either way, NCA is trying to collect on an expired debt, they don't possess the original contract, they are violating my consumer rights by being present on my credit reports. 
According to : 15 USC 1692 b 18 USC 1038 15 USC 6802 16 CFR 433.2 12 CFR 1016.7 I am exercising my consumer rights to OPT OUT from Any More reporting from this company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I redeemed accumulated Reward points with Paypal-XXXX for XXXX XXXX XXXX on XX/XX/2023. Their website stated that e-gift cards would arrive within 48 hours. 
The gift cards never arrived. I contacted XXXX on XX/XX/XXXX asking when the gift cards would be sent. It took XXXX 5 days to respond stating they would resend them. after a week I contacted PayPal since they own XXXX. They stated they had no record of me being a customer ( I have a PayPal account in addition to the XXXX account ). Via online chat I interacted with PayPal over a 6 day period, was transferred to their reward depart 3 times only to be told they could not help and was redirected to XXXX. 
I again contacted Honey who told me the gift cards were sent but must have been hung up in the email providers spam filter ( unlikely since I review flagged spam emails daily ) At this point I simply want the {$130.00} worth of XXXX XXXX cards or the cash equivalent. I had hoped to use the gift cards to purchase Holiday gifts but obviously that did not occur. 

Paypal seems to be struggling with Customer Service and Rewards Management. I wonder how many other customers were defrauded.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Jim Bottin Enterprises, Inc
State: NJ

Complaint narrative:
I have called XXXX XXXX ( Gym membership ) several times and emailed them that I want to cancel my membership. I've also emailed my request. The answer is " You need to come down to the gym and cancel it '' I told them " NO '' I do not. I also get automated calls everyday from the parent company ABC fitness. All I want to do is cancel the membership. They state I have an outstanding bill. Not true! Attached is the email correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 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: FL

Complaint narrative:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Bank checking account is with Capital One. I also use XXXX. XX/XX/23 Received a text from the Capital One telling me that there was suspicious activity on my account and if it was from me. I replied " No ''. I then received a call from the Capital One help line XXXX  ( I looked up the number to make sure it was Capital One ). 

They identified themselves as an account rep and knew my account balance. They were asking for more information on my account. They said they changed my password and needed the code- which I gave them. They said they would move funds around and secure the account and would call back. They said my account would be temporarily locked. 

They called back asking for XXXX account information. I gave them the XXXX password. I then noticed money being withdrawn from my XXXX account. 

They then called my mother ( who is a contact in my XXXX account ) asking her for her password. She did not respond and hung up. She called me to let me know and that I should call Capital One. 

I called Capital One to inform them of the unauthorized transactions. 

In total over the next 3 days {$4900.00} was transferred from my Capital One checking account to XXXX. From XXXX, the money was transferred to someone I don't know. 

In addition, {$1500.00} was transferred out using XXXX XXXX 
At this point all my funds from the checking account were gone. 

{$200.00} in credit card transactions were also fraudulent and disputed. This amount was refunded. 

I called Capital One on XX/XX/23 to dispute the transactions. My cards were cancelled. They opened a case and the informed me that my claim was denied for the following reason : " Due to authorization and/or participation in the transaction activity. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Credit Fresh Holdings Inc
State: FL

Complaint narrative:
I was able to take out lines of credit from XXXX different online lenders. These loans are illegal in the state of Florida where I reside. The terms are usurious and impossible to pay back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
My Hard Inquiries are not correct. I have never requested credit from XXXX XXXX XXXX XXXX ( after my account was already opened ), 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 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
My information was sold and bought illegally because I was a victim of the *Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 

XXXX XXXXXXXX XXXX  for XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX for XXXX Hard inquiries of the following XXXX XXXX ( Finance ) XXXX ( Bank ) XXXX XXXX ( Hotel and travel ) XXXX XXXX XXXX  ( Bank ) XXXX XXXX ( Bank ) XXXX ( Bank ) XXXX ( Finance ) XXXX XXXX ( Bank ) XXXX ( Finance ) XXXX XXXXXXXX ( Bank ) XXXX XXXX  ( Bank ) XXXX XXXXXXXX ( Bank ) Remove Personal Names reported as they are not me. 
XXXX XXXX Remove Address of the following as they are not recongized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, UT XXXX Remove Employment information XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
It's unreasonable, given that I've consistently made payments on this account promptly without any delays. Kindly adjust my account to reflect the correct payment history.

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 2023-12-28 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: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-12-28 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-28 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: EQUIFAX, INC.
State: VA

Complaint narrative:
My Account with XXXX XXXX was resolved and settled. They keep reporting a balance on my credit, and they have also agreed to remove it. I have gone back and forth, disputing, and nothing has been done. The account is showing a balance of {$1300.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-28 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
My Account with XXXX XXXX was resolved and settled. They keep reporting a balance on my credit, and they have also agreed to remove it. I have gone back and forth, disputing, and nothing has been done. The account is showing a balance of {$1300.00}.

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 explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I opened an automobile loan with Bank of America on XX/XX/XXXX, and the account was added to my mobile banking. 

I have a payment method already added to my Bank of America ( XXXX ) mobile banking app. It is an external account that is linked to my Bank of America credit card. 

When I attempted to pay this bill online several weeks ago, it gave me a message that no bills were due, and there was no option to add the auto loan as a payee from my existing external bank account mentioned above. So I waited. Then, on Friday XX/XX/XXXX I checked again and had the same message. I figured the option to pay, then, would show up once the due date of XX/XX/XXXX had arrived -- but it didn't. 

I successfully reached a representative through their social media messaging ( XXXX ), but while waiting for a response to the problem, I went online on a DESKTOP and manually applied the payment amount due, which was posted on XX/XX/XXXX. 

I did eventually get a response and had already explained what was going on, so I further explained that I completed a payment online and no longer needed help. However, when I checked today XX/XX/XXXX, I could see that the payment posted ( both on the app and my Banking app ) was not applied to the automotive loan, even though I specifically arranged the payment to be applied to the automotive loan. 

Today XX/XX/XXXX I was able to speak with a representative who assured me that my payment would be posted to the auto loan account appropriately, once everything had been processed and the payment had cleared my financial institution. 

Despite this resolution, the representative was still unable to give me a clear explanation about why the payment process was so difficult or why my loan did not show up as a qualifying payee account through the mobile app. 

Since there is the potential for others to run into this problem and face late charges as a result of this problem in the XXXX mobile app user interface, I believe it should still be documented and Bank of America should take measures to correct the issue. Please note that this may have something to do with their " eBill '' system, and you can see in the attached photo that I never received one from Bank of America.

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 2023-12-28 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
On XX/XX/2023, I sent in a Lawful Notice of Dispute, I gave the company a period of ten ( XXXX ) days from the date of your receipt of my notice and if not then the account information must be completely deleted from my credit report, and a copy of such deletion request should be sent to me at once, or I will take legal action. It's been over a month and they still have yet to provide this information or to delete this information from my credit report. They are now in default. They are also violating Fair Credit Reporting Act ( F.C.R.A. ), Violation of the F.D.C.P.A., Defamation of character by reporting this debt on my credit report while also violating 15 U.S. Code 1681b since they never got my permission to report this in writing, and also, the use of my copyrighted property.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: DE

Complaint narrative:
Date of Transaction : XX/XX/2023, Transaction Amount : {$100.00} Action Taken : Filed a dispute with the Bank. I got scammed when I responded to XXXX group posting on moving sale. Messaged the seller and did a deposit of {$100.00} using XXXX As soon as I realized that i was scammed, logged into the bank account and tried to dispute the transaction. Couldn't dispute the transaction as it was in pending status. 

Called the bank 's customer service to file a dispute. 
1. The bank agent mentioned that PNC doesn't provide any fraud/scam protection on XXXX transaction XXXX XXXX is a separate entity and just providing free of charge service. 
2. I had requested a copy of bank 's customer ( XXXX XXXX XXXX ) protection policy & procedures specific to XXXX product/service. The agent asked me to check the terms & conditions of XXXX to find answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am deeply dissatisfied with my bank 's service as a customer, primarily due to their failure to provide accurate and reasonable credit increases. Despite maintaining a pristine record with no history of late or missing payments, the bank has consistently overlooked my responsible financial behavior. This lack of acknowledgment has hindered my ability to access the credit I deserve based on my creditworthiness. 

Furthermore, my frustration is compounded by the bank 's involvement in unethical business practices. These practices not only erode my trust in the institution but also leave me questioning its commitment to ethical conduct. Despite expressing my concerns, I have received no assistance in resolving these issues or exploring alternative options. 

As a result, I feel compelled to sever ties with this establishment and seek a financial institution that values transparency, fair treatment, and customer satisfaction. The bank 's failure to address my legitimate concerns and provide adequate support has left me with no choice but to pursue banking services elsewhere.

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 2023-12-28 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: IN

Complaint narrative:
my fianc purchased vanilla visa gift card for XXXX $ dollars to gift to me on XXXX. we tried to use the gift card at XXXX and card was declined for XXXX $ over 6 times we tried calling the company that makes the gift cards and werent able to speak to a representative after trying for hours they just kept hanging up. then tried to wait another 24 hrs just to see if it was the activation process. after finding out that it wasnt we even tried calling the store that sold it to us to be told there was nothing that they could do. we called visa, the vanilla company, even the hq of the store that sold it to us and still got no assistance with compensation or a replacement card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC
State: SC

Complaint narrative:
I got a loan for XXXX at titlemax, my pay off is XXXX before I can get my title back.I was paying XXXX a month now XXXX a month on my loan.The XXXX I borrowed is going up instead of down right now my payoff amount over XXXX to get my title if I had XXXX cash right now.If not I will have to continue to make payments of XXXX a month for 46 months.nothing is being applied to my interest.i never have any funds in the account to receive extra cash either.my payment supposed to go down not up.i refinance but still this is ridiculous my rights have been violated and iam facing eviction because of this.My name is XXXX XXXX last XXXX, XXXX number ( XXXX ) XXXX XXXX.title max on XXXX XXXX XXXX.I ask for my payment record and they say they can't find it I have been paying on this loan over 6 months now.

Company response to consumer: Closed with explanation