vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-08 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX XXXX I am writing to formally request the deletion of certain negative accounts from my consumer report, which have been reported by XXXX XXXX XXXX XXXX ( account # XXXX ) without my explicit consent to all three credit reporting agencies, which fall under non-affiliated third parties. I have also noticed inaccuracies in the reporting of a charge off to the consumer reporting agencies regarding this account. According to the FCRA, credit reporting agencies are responsible for maintaining accurate and up-to-date information. This has been ongoing for two years and Affinity has willfully provided inaccurate information about my credit history and though I have brought this to your attention this specific account remains on my consumer report. These entries violate provisions outlined in the Fair Credit Reporting Act ( FCRA ), specifically : 15 USC 1681a ( 2 ) ( a ) ( i ) - ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report 15 USC 6802 - 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 generalA 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.

15 USC 1681 Section 604 A Section 2 - A consumer reporting agency can not furnish an account without my written consent.

15 USC 1666b - A creditor may not treat any payment on a credit card account under an open-end consumer credit plan as late for any purpose

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 2023-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I have had a checking with Ally Bank for a few months and recently opened a savings. I had an auto loan prior that I paid off. Because I was having payroll direct deposited for the loan, I decided to open a checking. Fast forward to XX/XX/23. I deposited a check drawn on Ally from a friend for {$250.00}. Later that day, my friend found out his account had been closed. I immediately called Ally and explained this to customer support. I also asked if I would pay a return check fee. The next day I received 2 emails stating my accounts had been restricted due to suspicious activity. My access to online banking was also turned off. I contacted the bank 's fraud department as instructed. I received no other information other than a senior analyst was working on it. I asked for a return call. Nothing. I called again last night and today XX/XX/23. Today I was told there's no guarantee the senior fraud analyst would call, but he would give them the message. I asked if there was a manager or someone I could complain to and I was offered a voice-mail. I said I want a real person and the response was, a real person will get the message and respond. Again, I got frustrated and hung up. At this point I want my accounts closed. The deposited amount of {$250.00} was in the account, although held. I understand this. What I don't agree with is the restriction of my account balances and no access to any information about when the restrictions will be lifted. I paid a loan on time monthly and paid it off early. This was my first mobile deposit. I did not know the account was closed at the time of deposit. I find it discriminatory to treat me like some criminal who is trying to rip off the bank. I work and my hard earned dollars are being held with no valid reason.

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 2023-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
Dear PayPal Customer Service Team, I am writing to appeal a permanent limitation that has been placed on my PayPal account ( email : XXXX ) recently. My objective for reaching out is to express my concern over this situation and kindly ask your team to re-investigate my case in light of the points I will raise in this email. 

Firstly, I strongly believe that the limitation on my account was enacted by mistake. Until now, I have been unable to discern any specific transactions or actions that would have prompted such a stringent action on my account. It would be highly appreciated if you could provide further clarification on what the precise reasons were behind this decision. 

Secondly, to the best of my knowledge and as per my understanding of the PayPal User Agreement and Acceptable Use Policy, I assert that I have not violated any PayPal policy. I have always used my account responsibly, ensuring that all transactions are legal, ethical, and within the boundaries of PayPal 's rules and regulations. It would be beneficial if the alleged policy violation could be outlined so I can better understand and rectify any misconceptions. 

Given the aforementioned points, I would like to kindly ask the PayPal team to re-investigate my case. I hope that upon further review, it will be apparent that my account has been in good standing and that the permanent limitation might have been unwarranted. 

The limitation on my PayPal account has caused significant inconvenience in my personal and professional life. I value the services that PayPal offers, and I have always regarded it as an indispensable tool for my online transactions. Therefore, I kindly request the restoration of my account, if possible. 

I understand that PayPal needs to safeguard its services and users from potential threats and I support such measures. I am willing to provide any further information or fulfill any requests that may assist in re-evaluating my case and ensuring that my account complies with PayPal 's policies. 

I am looking forward to your prompt response and appreciate your attention to this matter. 

Best regards, [ XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 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: FL

Complaint narrative:
Hello, I am trying to dispute these inquiries on my report for a while now and I haven't been able to get them removed. It also shows I have a bankruptcy dismissed and that is not correct. It has been discharged about XXXX  years ago. I need to have these removed according to the Fair Credit Reporting Act, which is unverified and unauthorized. 

The following companies are the ones that I would like removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The dispute above is for the inquiries and the one below is for the XXXX 

XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX

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 2023-06-08 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: FL

Complaint narrative:
Hello, I am trying to dispute these inquiries on my report for a while now and I haven't been able to get them removed. It also shows I have a bankruptcy dismissed and that is not correct. It has been XXXX about 2 years ago. I need to have these removed according to the Fair Credit Reporting Act, which is unverified and unauthorized. 

The following companies are the ones that I would like removed : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX  The dispute above is for the inquiries and the XXXX below is for the bankruptcy. 

XX/XX/XXXX XXXX US BANKRUPTCY COURT-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 2023-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Eastern Account Systems of Connecticut, Inc.
State: LA

Complaint narrative:
I checked my credit report and found a collections agency : Eastern Account System charge of {$550.00}. The original creditor is listed as XXXX XXXX XXXX. 

Eastern Account System did not provide written notification of debt or EVER contacted me about this debt or gave me the right to dispute this debt.

The law : Within five days of initially contacting you, the collector must send written notice of the debt and include : The amount of the debt The name of the original creditor to whom the debt is owed A statement describing your right to dispute the debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX # XXXX XXXX  WV XXXX 15 U.SCode $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receiptIt has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relatesNEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFTAs a consumer lam demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 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: OK

Complaint narrative:
In Accordance With The Fair Credit Reporting Act 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 non-monetary relief
Consumer complaint received 2023-06-08 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: PA

Complaint narrative:
I recently received a copy of my consumers reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B 1. XXXX XXXX {$5700.00} 2. XXXX XXXX XXXX {$2800.00} 3. XXXX XXXX XXXX {$15000.00}

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 2023-06-08 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:
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.

The letters are stated with items and issues.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-06-08 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
I tried to deposit two checks from the US Treasurer for TSP withdrawals and at first my bank 5/3rd made the funds available. Then a few days later we noticed I did not have online access and our accounts were showing overdrawn by almost a millions dollars combined. Upon calling we were told the were returned for fraud and my account is being reviewed for closure. I verified checks by calling the TSP disbursement FBO. I provided a letter for payment confirmation from the TSP on the checks and my account is still under review.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 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: OK

Complaint narrative:
In Accordance With The Fair Credit Reporting Act 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 non-monetary relief
Consumer complaint received 2023-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ADP Inc.
State: NY

Complaint narrative:
i've done a dispute and its been more then 45 days this company hasn't answered me about received my provisional credit because ive made a dispute about some charges ive spoken with XXXX at XXXX XXXX today XX/XX/23. he basically told me like everyone else just sit down and wait either wait the 90 days until the investigation is over to receive anything I want to know why no one can answer me about receiving my credit until they figure out there investigation I feel like I'm being discriminated against the way im being handle im asking question and not receiving any answers back basically they keep telling me that department will get back to you in two days they've told me this more then three time that ive called then they said they sent me a letter for the credit never got it called back they said they will send me an email never got it called back now the next two times they told me someone will call me in two days no one has called yet its almost the 90 days mark I want to know why I have to wait for my money when it should be insured with this bank I must know are they treating everyone fairly when it comes to requesting for credit while they do there disputes and I will like proof of it cause me as a consumer feel I must be treated fairly like everyone else

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
On XXXX, I was checking out online with XXXX XXXX. I was buying a computer for {$1500.00}. I chose PayPal. At that time I was offered 24 month XXXX XXXX. I was denied. I needed the computer so I placed it on my PayPal Credit account which is 6 months interest free. Later that day I received a letter from XXXX C/O Paypal, stating the reason I was denied was for Non-sufficient funds returns on your PayPal account. I have never had an NSF charge to any account in the past 25 years. I've talked to XXXX XXXX, XXXX XXXX, Paypal Credit and Paypal to no avale. I didn't even know I had a PayPal account. I've always used PayPal Credit. After over 2 hours and being transfered 8 different times, I needed help. I don't care that I have to pay this off in 6 months with PayPal Credit, I want to know when, if at all, this NSF returns happened but NO One can find it. So Someone is putting out false information. What happens if I need to purchase something and spread out the payment, I'll get denied and won't know what for. I need this fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have been working on my Experian credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. The INCORRECT Address that should be deleted is XXXX XXXX XXXX XXXX XXXX, GA XXXX and there is XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( XXXX, Experian, and XXXX ) do not have my written permission and this should be removed accordingly. I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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