vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Under the 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] these creditors violated my rights XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Child Support XXXX. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 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. 
( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title.

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 2023-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX account number XXXX is reporting incorrectly. 
I request that this inaccurate item be immediately investigated. 
The account must be removed to show my true credit report. 
Please investigate and provide verifiable documentation of the : DATE of last activity, Outstanding Balance and the date account was charged off. 

XXXX  account number XXXX is reporting incorrectly. 
I request that this inaccurate item be immediately investigated. 
The account must be removed to show my true credit report. 
Please investigate and provide verifiable documentation of the : DATE of last activity, XXXXutstanding Balance and the date account was charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
My identity was stolen abd used to open checking account now Im on Chexsystem

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 2023-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
i have contacted the 3 credit bureaus numerous times about the accounts that need to be deleted are showing on my consumer report and every time they refuse they are breaking laws and damaging my reputation without my consent.

-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. 

the accounts i am talking about are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i also attached my identity report from the ftc to this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
Need to reach Citibank to ask for settlement. Always long wait times and not able to reach anyone

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 2023-03-11 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: CA

Complaint narrative:
PayPal has made me wait days and days after I called and asked them numerous times to solve 2 issues that I was facing. One issue occurs when I attempt to transfer my PayPal balance to my debit card. At the time, I had around {$120.00} in my PayPal balance which could be used to make purchases or could be transferred to my bank. They made me wait days and days and didn't tell me that the reason why I couldn't transfer my money to my debit card was that the free service to transfer the funds which takes 1-3 business days is unavailable for cards and that instead I would have to use the instant transfer which charged about a 2.75 % fee. After calling numerous times, the final representative I spoke to informed me of this, and we attempted to link my XXXX XXXX XXXX XXXX XXXX account to my PayPal account, but the representative told me that this credit union wasn't allowed for some reason because it posed a " risk ''. They ended up linking my XXXX XXXX account instead, and I transferred my PayPal balance over to it. They won't allow my preferred bank which is XXXX because they say it poses a risk. The second major problem I'm having with PayPal is that they wont ' allow me to use my PayPal balance anywhere, because they say that it poses a " risk ''. I spoke to the representative for over an hour, she told me that every single place I attempted to make a purchase, based on them monitoring my activities over the past month, was flagged as too " risky '' for my PayPal balance to be used, and that instead I would be forced to use a different payment method like a credit card. They are not allowing me to use my balance anywhere to make a purchase, not even XXXX because they're saying that there's a " risk ''. They won't allow me to use my PayPal balance to make purchases, they won't allow me to use the credit union of my choice to transfer my PayPal funds, and their reasoning behind all of this makes no sense. How is XXXX too " risky '' for me to use my PayPal balance to make a purchase, but not too " risky '' for me to use a credit card through PayPal? They won't allow me to use my PayPal balance to buy things. It's my money. It's my right as an account holder to use my PayPal balance to purchase things, they're not allowing me to do so. They made me wait days to find all of this out. They refuse to allow me to send funds to my account with XXXX XXXX XXXX XXXX XXXX, so I had to use my XXXX XXXX account instead, and I didn't want to do that. They won't allow me to send funds to my bank of choice and they won't allow me to use my PayPal balance to make purchases online.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-11 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX Fl, XXXX SS : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX I need you to investigate the following account : Account # XXXX XXXX XXXX XXXX Account Name : FRONTIER Airlines World Mastercard I request you provide me with proof of this alleged payment being late. If unable to provide or lacking proof of this payment being late, update payment history to paid as agreed never late ( PAANL ). 
Please provide detailed description of all procedures used in your process to determine complete accuracy of information reported. 
Once you have finished your investigations, send me an updated credit LIVE report to the address stated above. 

Thank you, 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 2023-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
This is about one of Capital One 's Extension - Capital One Shopping. I have purchased things using the Capital One 's Extension ( Well over XXXX USD ) during XXXX XXXX. I had a total of XXXX USD in rewards. I have used XXXX USD to redeem giftcards however they held the gift cards and said that they will release them after 90 days. 

The following email was sent below. " Unfortunately, it is taking a little longer than expected to process your e-gift card redemption. Due to a high number of XXXX purchases, your Shopping Rewards are currently on hold. Although your current rewards balance covers the cost of those e-gift cards, your rewards will remain pending until the merchant 's return or cancellation window ends. If there are any returns or modifications made to the order, your Shopping Rewards will be reversed. Typically, rewards can be on hold for up to 90 days. This verification period varies by retailer ( the merchant associated with the Shopping Reward issuance, not that of the e-gift card ). As soon as your current Shopping Rewards balance is confirmed, your e-gift card order will be processed. We apologize for any inconvenience and appreciate your understanding. '' After waiting the full 90 DAYS. 

I expected the gift cards to be released however 95 days have been elapsed and I sent them another email asking for support and they have sent me the same exact message above. I sent another email after that explaining that it has been 90 days and I yet again, received the same EXACT email above. 

10 Days later they just suddenly blocked my account and said my account was closed for suspicious activity after I tried to contact them. I still had around XXXX in rewards sitting on my account and they suddenly closed it. I have reviewed the TOS and I breached no legalities.

It is basically fraud to promise something and then close an account for no apparent reason. I have tried emailing and contacting the company to no avail. Every response was just automated copy and paste. 

My account email was XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated a written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 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 The following inquiries are unauthorized : Creditor : XXXXXXXX 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

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 2023-03-11 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CarMax, Inc.
State: DC

Complaint narrative:
I keep calling carmax auto finance to discuss the balance owed and to try and bring account back in good standing. Every representative gives different amounts. Then Im told if I make a payment they arent able to provide a receipt. Ive asked Carmax to put in writing the payment agreement and sass promised they would send by email in 24hours. The next day different rep stated they are not sending letter. I ask for statements of proof of balance they refuse to send by email or let me view online or make a payment online. Only can make payment by phone through rep but no commitment from Carmax they will honor their words. Ive asked for all late fees to be removed and they still wont provide me with a statement or nothing for proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
There is a collection reporting that should be removed by XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: NV

Complaint narrative:
UNIVERSAL ACCEPTANCE CORPORATION/ CARHOP YOUR COMPLAINT This account Is Passed the California Statute of limitations for debt collections. This auto loan is owned by Universal Acceptance Corporation. This account went into collections from XXXX XXXX XXXX  The last update was XX/XX/XXXX. I disputed this account with XXXX for this exact reason and it was originally removed from my report. This has been put back onto my report illegally. I have never had any form of contact from Universal acceptance corp/carhop since XX/XX/XXXX. As of today, XX/XX/XXXX, this account is 2 years passed the statute of limitations for debt collections in the State of California ( statute of limitations for debt collections is 4 years in California, this account is at 6 years ). This is an FCRA violation and needs to be removed from all credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY
State: DC

Complaint narrative:
TD bankXXXX had an agreement to settle this account. I was late on the second payment and now tried to pay the bill and XXXX refused. Stating the account will be charged off XX/XX/25 automatically and this is what Im trying to prevent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 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 XXXXXXXX XXXX XXXXXXXX : account states closed : Loan account XXXX XXXX opened XX/XX/XXXX XXXX XXXX  : account states closed : opened XX/XX/XXXX XXXX XXXX XXXX  : account closed : opened XX/XX/XXXX XXXX XXXX XXXX  : account closed : opened XX/XX/XXXX XXXX XXXX XXXX XXXX : account closed : opened XX/XX/XXXX 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 conviction 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-11 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 XXXXXXXX XXXX XXXXXXXX : account states closed : Loan account XXXX XXXX opened XX/XX/XXXX XXXX XXXX XXXX account states closed : opened XX/XX/XXXX XXXX XXXX XXXX  : account closed : opened XX/XX/XXXX XXXX XXXX XXXX  : account closed : opened XX/XX/XXXX XXXX XXXX XXXX XXXX : account closed : opened XX/XX/XXXX 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 conviction 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: IA

Complaint narrative:
UNDER FAIR CREDIT REPORTING IF ANY ACCOUNT OR LOAN OF SERVICE MUST BE SUMOTTED TO CREDIT WITH ACCURATE INFORMATION. THIS LOAN WAS ORIGINATED WITH AN ADDRESS IVE NWVER BEEN ASSOCIATED WITH AND THE CURRENT ADDRESS ON FILE IS A CHURCH ADDRESS, THE LOAN HAS XXXX SLOWLY MIGRATED TO ALL MY INFORMATION AND ACCORDING TO ACCOUNT SPECIALIST IN FINANCE IT WAS OBTAINED BY THE MAIN SIGNER OF THE LOAN FOR THE CAR XXXX XXXX. ACCOUNT DISPUTED BY CO SIGNER. 

-XXXX XXXX  ALERT WAS PLACED ON FILE XX/XX/XXXX BY PHONE WITH XXXX CREDIT AGENCY -NAME IS LEGALLY INCORRECT -ADDRESS AND STATE ID INFORMATION INVALID OR MISSING FROM CREDIT APPLICATION -INITIAL PULL OF CREDIT PULL ON FILE -LOAN WAS INITIAL APPROVED FOR ONE SIGNING PERSON, XXXX XXXX. CREDIT ACCEPTANCE DOCUMENTA SHOW CO-SIGNER WAS ADDED ON AT FINAL SIGNING OF DOCUMENTS. 
-CO SIGNER WAS IN XXXX XXXX AS A MEDIC IN THE XXXX XXXX XXXX XXXX 5. YEAR CONTRACT Credit Acceptance Corporation XXXX XXXX - MAIN SIGNER XXXX XXXX - FRAUDULENT CONSIGNER APPLICATION VICTIM / NAME INCORRECT Car loan - USED XXXX XXXX XXXXXXXX XXXX XXXX  LOAN BALANCE XXXX LOAN STATUS : CURRENT LOAN ORIGINATED/ XX/XX/XXXX IN XX/XX/XXXX MY EX PRTNER INFORMED ME HE WAS GETTING A NEW CAR AND LOAN THROUGH XXXX XXXX XXXX XXXX NEBRASKA XXXX THE LOAN WAS DISPENSED BY CREDIT ACCEPTANCE CORPORATION. IN XXXX I NOTICED THE LOAN ACCOUNT ON MY XXXX XXXX WHEN I RETURNED FROM XXXX XXXX. I CALLED XXXX XXXX AND STATES, I DID NOT CO SIGN WHY DOES IT STATE THAT IM THE JOINT SIGNER OR CO SIGNEE OF LOAN ACCOUNT. XXXX HAS REFUSED TO PAY THE CAR NOTE, THE CAR IS BEING HELD AT THE XXXX XXXX, THE TOW LOT OWNER WILL NOT RELEASE IT WITHOUT A XXXX PAYMENT FOR STORAGE. REVIEWING THE LOAN DOCUMENTS FROM THE CAR DEALERSHIP THE LOAN WAS INITIALLY IN XXXX XXXX NAME ONLY WITH XXXX DOWN DEPOSIT. ON THE LAST PAGE IT SHOWS A LINE FOR SIGNERS AND CO SIGNER TO SIGN THERE NAME. IT DOES NOT MATCH PERSON SIGNATURE AND WAS OVER-SEAS ON XXXX XXXX AS XXXX AND IT WAS SIGNED BY SOMEONE LEFT HANDED, ALLEGEDLY. VICTIM IS RIGHT HANDED. NO INQUIRY FOR REQUESTING DEALER TO PULL VICTIMS CREDIT FILE. 

CREDIT ACCEPTANCE HAS REFUSED WORKING WITH ME OR OFFERING GAP INSURANCE OR ANYTHING ELSE. 
INCLUDING ASSISTANCE WITH CAR RECOVERY OR TRANSFER OF LOAN OR MY REQUEST TO BLOCK FROM CREDIT REPORT. 

I ISSUED THEM FULL PAYMENT FOR THE AMOUNT OF XXXX FOR A COMPLETE PAY OFF OF THE LOAN ON THE XXXX OF XX/XX/XXXX. 

ON THE XXXX of XXXX I FOUND THIS WEBSITE XXXX XXXX FOR ASSISTANCE. PLEASE ASSIST WITH REMOVING THIS FROM MY CREDIT OR SHOWING IT AS SATISFIED.

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