vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
The following is a copy of an email I received thanking me for a payment. The sender identifies themselves as being from PayPal. I do have PayPal accounts and checked the accounts. No money was withdrawn from the accounts as far as I can see. 

Thank You. 

XXXX XXXX Pay-Verification Team XXXX XXXX XXXX, XXXX, XXXX XXXX  Dear XXXX XXXX, Thank you . Your prompt payment for the invoice XXXX has been received. Much appreciated. 

Have a great day and good health! 

Print your receipt here : XXXX date : XX/XX/2022 Receipt date : XX/XX/2022 Bill To : Customer ID XXXX XXXX XXXX XXXX XXXX  XXXX Unlocked 1 {$690.00} {$690.00} Amount due {$00.00} Total {$690.00} USD Please Note : It may take 24-48 hours for the transaction to appear in your Bank statement. 
If you did not authorize this purchase, contact us immediately at XXXX XXXX XXXX XXXX ( Please wait for a call back in case we miss your call ) We will refund the full amount if you cancel the order within 24 hours. Thank You! 

PayPal, XXXX ( XXXX ) XXXX XXXX XXXX ( Customer Relation XXXX ) Attachments area

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-27 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Someone used my Social Security number my name and my address trying to open a bank account at Bank of America. I do not use Bank of America Ive been using the same bank since I was XXXX  I want this to stop I want the person using my identity to be found and jailed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I discovered this morning that Synchrony Bank closed ALL of my accounts with them, regardless of length of account or the status of the account. None of the accounts were in default and I have a 100 % clean payment history across all of my credit accounts including those with Synchrony Bank. My accounts closed include : Care CreditXXXX XXXX XXXX, XXXX, PayPal Credit and Lowes. I asked why my accounts were closed and the only reason they would give is based on my XXXX credit report. I immediately checked my credit report and there is nothing changed on it. I have a 100 % clean payment history, no accounts in default and no collections. I even recently paid off two loans, one personal and one car loan. There is nothing negative in my credit file at all.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
Good afternoon, I have a Barclay credit card which I have not used in several months. I called today to cancel it and because it was within 60 days of the {$89.00} annual fee being charged I need to pay the fee in order to close the card. This is the kind of nuisance fee the bureau states it is trying to protect consumers from. I have an XXXX credit score and have perfect repayment on the account. My account was profitable for the issuer due to interchange fees made due to the heavy usage of the card. 
I think it's ridiculous to make someone pay a fee for a card they are closing. The only thing they were willing to do was file a complaint for me. 
You may be unable to assist me, however I think this kind of fee structure needs to be removed in order to protect consumers moving forward. Essentially they are requesting an annual fee on a card I'm closing and will receive no benefit from. The annual fee was waived for the first year so I consider this a fee for the coming year. 
Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: GA

Complaint narrative:
The Credit Bureaus stated the following Accounts were properly investigated but how is that possible if it's inaccurate. This alone is grounds for removal. They also violated my rights under XXXX5 U.S. C. 1681 Section 604 A Section 2. The Law clearly states a consumer reporting agency can not furnish an account without written permission XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ( 3 Times ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - All Hard Inquiries

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-27 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:
The Credit Bureaus stated the following Accounts were properly investigated but how is that possible if it's inaccurate. This alone is grounds for removal. They also violated my rights under 15 U.S. C. 1681 Section 604 A Section 2. The Law clearly states a consumer reporting agency can not furnish an account without written permission 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I received a promotional offer from Barclays about 0 % APR upto XX/XX/XXXX, with only balance transfer fee of 4 % and no other fee. After a few weeks into the offer i see that they have charged me a minimum payment which is due on XX/XX/XXXX. I had multiple calls with their customer service teams which i believe is based in a XXXX  country, and they keep misleading the customer by giving them false information without logging proper details of the calls to the extent of giving information which may not be true just to get an upset customer off their back, and when i have called on the following day i was given a totally different answer by the agent who handled the call at that time.I was even assured by one of their team leads in US that there will be no charge till next year XX/XX/XXXX but now they have gone and billed me a monthly minimum payment due. I would lodge a complaint for misleading me entirely not only thru false advertisement but also thru their call centers and their agents, this has negatively affected my credit score and I have spent countless hours in trying to resolve this issue without any luck, I wish to cancel my card and be compensated fairly for my losses

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 monetary relief
Consumer complaint received 2022-04-27 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:
I believe the reporting credit bureaus are in violation Equifax XXXX And XXXX stated I have a verified bankruptcy on file, The US Bankruptcy Court States they do not report to reporting agencies : -XXXX XXXX Bankruptcy Case Number : XXXX -XXXX XXXX  Bankruptcy Case Number : XXXX -XXXX XXXX Bankruptcy Case Number : XXXX -XXXX XXXX  Bankruptcy Case Number : XXXX -XXXX XXXX Bankruptcy Case Number : XXXX -XXXX XXXXXXXX Bankruptcy Case Number : XXXX This Is A Violation In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 the reporting agencies has violated my rights 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 1681 b

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
FRCA Violation credit card XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX FRCA Violation loans XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OFFICE OF THE ATTY GEN FRCA Violation collection XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX 
{$850.00} Balance updated XXXX XXXX, 2022 XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$390.00} Balance updated XXXX XXXX, 2022 MIDLAND FUNDING Original creditor : XXXX XXXX {$540.00} Balance updated XXXX XXXX, 2022 MIDLAND FUNDING Original creditor : XXXX XXXX XXXX {$420.00} Balance updated XXXX XXXX, 2022 XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX$380.00} Balance updated XXXX XXXX, 2022 MIDLAND FUNDING Original creditor : XXXX XXXX. 
{$1000.00} Balance updated XXXX XXXX, 2022 MIDLAND FUNDING Original creditor : XXXX XXXX {$3100.00} Balance updated XXXX XXXX, 2022 MIDLAND FUNDING Original creditor : XXXX XXXX {$2400.00} Balance updated XXXX XXXX, 2022 MIDLAND FUNDING Original creditor : XXXX XXXX {$700.00} Balance updated XXXX XXXX, 2022 FRCA Violation names and address XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
I made 5 charges on TWO separate CITI credit cards. They were for a cruise on XXXX XXXX beginning XX/XX/XXXX. 

XXXX. XX/XX/XXXX {$5300.00} ( card ending XXXX ) XXXX. XX/XX/XXXX {$10000.00} ( card ending XXXX XXXX. XX/XX/XXXX {$2900.00} ( card ending XXXX ) XXXX. XX/XX/XXXX {$1000.00} ( card ending XXXX ) XXXX. XX/XX/XXXX {$2600.00} ( card ending XXXX ) On XX/XX/XXXX I cancelled the cruise and disputed the charges. Shortly after XXXX XXXX went out of business. 

# XXXX was found in XXXXXXXX XXXX XXXX  on XX/XX/XXXX and I requested it be reviewed again. It is still pending. 
# XXXX was found in my favor on XX/XX/XXXX. The {$10000.00} is permanently off my account. 
# XXXX, # XXXX and # XXXX were all found in XXXX 's favor on XX/XX/XXXX and I must pay. I have requested they be reopened and they still show closed in XXXX 's favor. 

And by the way there were additional charges in XXXX cards and all were resolved quickly in my favor. 

XXXX XXXX has gone out of business and could not possibly deliver on what I purchased. 

CITI cards need to resolve this quickly. Please help!

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 monetary relief
Consumer complaint received 2022-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
On XX/XX/2022. I was in a store trying to use my Capitol One card and a transaction was declined to my surprise for {$3.00}. The keypad said the card I used was invalid. I then went to another store to use the credit card at XXXX XXXX ( about $ XXXX {$4.00} ) and it said the card was invalid. On XX/XX/2022 I called Capitol One to find out why the card was declining and a guy by the name of XXXX said he wasn't sure what happened and read a letter to me that was never mailed out. The letter said I did something wrong. He kept me on hold for about 5 minutes looking for collections and customer service, but he couldn't answer a lot of the questions I had and seemed confused during the duration of the call. The credit card has a low balance and is still not working at registers. I have yet to receive a letter in the mail that makes sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX has violated my rights.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-27 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 has violated my rights.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: TD BANK US HOLDING COMPANY
State: IN

Complaint narrative:
Late XXXX I traded my car in, XX/XX/XXXX payment in full ( check # XXXX ) was sitting in TD Auto Finance 's XXXX XXXX ( got from their website ) sent from dealership certified mail. Middle XXXX TD had not cashed check and reported on credit report as late. Called TD gave them dealer info. Dealer had to cancel first check, send new check ( certified ) to an address in South Carolina. TD signed for check on XX/XX/XXXX ( check # XXXX for {$18000.00} ) TD held check until XX/XX/XXXX then charged off loan on XX/XX/XXXX. XX/XX/XXXX TD reported a charge-off in the amount of {$17.00} claiming is was interest on the loan that was charged during the time they refused to go to the Post Office and get the original check ( check # XXXX ). XX/XX/XXXX TD reports " Paid, was a charge-off ''. which is incorrect and fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-27 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
There are multiple closed accounts on my credit report which are 7, 8, 9, 10 and even 11 years old which are closed out. Most are from XXXX and Department of Education. I have filed complaints about all three of them I have directly contacted all three of them and filed complaint and this information never goes away. The accounts are closed or they have been Consolidated into different loans so they no longer exist and they Continue to update but they are not removed one of them is even twelve years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation
State: VT

Complaint narrative:
In XXXX of 2021 Bridgecrest placed my vehicle for repossession without warning or any way of settling the unpaid balance to avoid repossession. When I contacted them to settle the debt the first rep could not help me, I was transfered to a supervisor who told me if i paid the past due balance they'd cancel the repossession. I needed to wait one day to be able to make the payment, when I called back the next day they would not accept my payment even though the supervisor had made the guarantee to me. Bridgecrest repoed the vehicle in XXXX of 2021.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: CORELOGIC INC
State: PA

Complaint narrative:
To whom this may concern, CoreLogic illegally furnished fraudulent reports without my knowledge or consent infringing upon my right to privacy pursuant to 15 U.S.C.1681b, 15 U.S.C . 1692e, and 1692d false and misleading information in my consumer file/report. This information was in turn supplied to XXXX as well as XXXX XXXX XXXX. A clear breach of my privacy has taken place under the guise of : " credit risk assessment ''. I am demanding that this information be removed and ask that Remedy be sent through mail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: NC

Complaint narrative:
Attempted to have personal information like names, addresses, and date of birth updated with Experian. Called and spoke with someone claiming my info would be updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I noticed 4 total credit inquires when I logged into my XXXXXXXX XXXX  under my view credit score. I have not attempted to open any cards in some time.

Two days ago I received a billing statement from Bank of America ( which I do not have a line of credit through ) stating I had a line of credit for {$11000.00} and that I owed {$3400.00}. The purchase was made from a company called XXXX on XX/XX/2022. 

I contacted Bank of America and made a fraudulent activity claim right away. This was done today. I was provided a claim number and am awaiting the paperwork in the mail to complete the Claim.

I am very concerned as there are 3 other inquires out there which are affecting my credit score.

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 monetary relief