vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I have been dealing with a PayPal credit charge. I returned an item and never got my refund from the seller. I have submitted a complaint through here already and they gave me very vague information and have not responded back to me since then. 

According to their terms of their purchase protection program, I was to : Have an account in good standing, which I did at the time of the dispute. 

Pay using PayPal, which I had done Attempt to resolve the issue with the seller, which I did Respond to PayPals requests for documentation, which I did Open a dispute, which was done multiple times Not have received a recovery or agree to an alternative, which I did not The phone number they passed on to me takes me directly to their debt collector who can't help me with my situation. 

When I call PayPals customer service, I can never get a hold of anyone who can give me a straight answer or pass me to someone higher up to help. 

The last thing I was told, other than my dispute being in the " incorrect category '', was that I wasn't eligible for a refund because I was communicating with the seller. I was told this over the phone by two associates who were helping me at the time. They had refunded my money and then taken it away multiple times and claim it's for the reason of having the communication they require me to have with the seller in their terms and conditions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I found four accounts on my credit report I call the companies and they request document I sending all ready and I need your help to remove those accounts from my credit report they are fraudulent credit accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 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: CA

Complaint narrative:
I found four accounts on my credit report I call the companies and they request document I sending all ready and I need your help to remove those accounts from my credit report they are fraudulent credit accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint narrative:
In XX/XX/XXXX Capital One advised that my credit card was compromised and they would issue a new card. Never heard from them or received a new card .At that time we had a rewards balance of {$270.00} .In XX/XX/XXXX received a letter of condolences on my death. 
Immediately informed them Im very much alive. For the past 4 months and literally hours on the phone its been a gong show. Now I received a statement saying I owe {$410.00} which of course is not true. From one of the many conversations, the agent said it appears when I supposedly died they took the rewards from me. Agent said they would rectify and reverse the mistake. 3 more weeks nothing .Then to add insult to injury they sent a cheque on XX/XX/XXXX for XXXX CENTS! Ive had apologys, case files started, promises etc. Im XXXX XXXX XXXX and I feel like Ive aged 10 years. Worst experience with a credit card company in my life .As I said I havent had a credit card since XX/XX/XXXX. 
Because this has gone on for so long and they falsely accused me of being dead so they could take away my rewards, is this not fraud.? 
It really appears that because they have lied and promised to rectify the problem, that they are just trying to hope I go away. 
Capital One must have one of most complaints of any company Who sends a cheque for XXXX cents Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Upon reviewing my credit report, I discovered inaccurate accounts that need to be reported and corrected by your company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Upon reviewing my credit report, I've noticed discrepancies and inaccurate activities associated with the following accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 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: TN

Complaint narrative:
I received my credit report for the first time in a while today and I have multiple of inquiries on my credit report that I believe are fraudulent. I did not authorize any of these companies to run my credit. My identify has been stolen. I have expressed my concerns with XXXX already because someone with the same name as myself accounts were generating on my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 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: TN

Complaint narrative:
I received my credit report for the first time in a while today and I have multiple of inquiries on my credit report that I believe are fraudulent. I did not authorize any of these companies to run my credit. My identify has been stolen. I have expressed my concerns with Experian already because someone with the same name as myself accounts were generating on my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of identity theft over and over. I just found out that my mail was forwarded out and criminals open up new bank accounts and credit card accounts under my name.I never knew these accounts was opened because I wasnt getting mail directly to me. Unit the accounts was ran up and reported late. Ive called the credit card companies as well as filed a police report with the banks. This is absolutely the worst time for this to happen because I am looking to buy a home and my credit is Ruined. 

XXXX  account. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX {$14000.00} XXXX XXXXXXXX. XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 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: GA

Complaint narrative:
I am a victim of identity theft over and over. I just found out that my mail was forwarded out and criminals open up new bank accounts and credit card accounts under my name.I never knew these accounts was opened because I wasnt getting mail directly to me. Unit the accounts was ran up and reported late. Ive called the credit card companies as well as filed a police report with the banks. This is absolutely the worst time for this to happen because I am looking to buy a home and my credit is Ruined. 

Affirm account. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX {$14000.00} XXXX XXXXXXXX. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 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: MD

Complaint narrative:
I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 
Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRAXXXX XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

Summary of Accounts being Challenged in list form : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  - XXXX XXXX Account Number : XXXX I listed above all the information that I found to be untrue, incorrect, incomplete, untimely, not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
We closed on our house sell in XXXX and haven't received our escrow balance back. Ive tried to call but because the loan is in the new owners name now they wouldn't tell me anything. They made me send a fax in for information but i still haven't gotten anything back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
XX/XX/24 received letter of investigation from Barclays Bank in Delaware it was a card on my credit karma that I did not authorize. XXXX received letter that the investigation was concluded and I opened the acct and responsible for XXXX. I DID NOT OPEN THIS ACCT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: I.C. System, Inc.
State: GA

Complaint narrative:
They sent me a letter that displayed their company name on the front window instead of just their address and po box so that anyone who looked at it would know it was from a collection agency.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
It is unacceptable to have this late payment on my account, given my history of making payments on time. Please remove it and update my account accordingly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Subject : Urgent Resolution Needed : Business Account number credit card : XXXX XXXX XXXX XXXX On call XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX And XXXX XXXX XXXX XXXX XX/XX/year> XXXX Home address XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX Discrepancies in Account Numbers and Reporting Dear Chase Bank Customer Service, I am writing to address a critical issue regarding discrepancies between my business accounts associated with Chase Bank. Specifically, there is a discrepancy between my business ink credit card account number and my other associated accounts. Details of the issue : My business ink credit card account number does not match the other accounts associated with Chase Bank. Despite previous assurances, a reversal fee was applied to my account without resolution of the underlying issue. Chase Bank committed to updating and faxing the correct information to the credit bureau to rectify the mistake. However, this has not been done despite several months passing since the initial notification. The local branch, located at XXXX XXXX XXXX XXXX XXXX, FL XXXX, confirmed the discrepancy but has been unable to resolve it, referring me back to customer service. This ongoing discrepancy is concerning as it has the potential to adversely impact my credit score due to incorrect reporting. It is imperative that Chase Bank takes immediate action to rectify this situation and submit the necessary corrections to the credit reporting agencies. I kindly request that Chase Bank : Rectifies the discrepancy between my business ink credit card account number and other associated accounts. Submits an error report to the credit reporting agency to prevent any negative impact on my credit score. Please acknowledge receipt of this message promptly and provide a timeline for resolution. I appreciate your urgent attention to this matter and expect a swift resolution. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX and or my business XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX date of birth XX/XX/year> ss # XXXX Chase branch XXXX  XXXX XXXX ID XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX phone # XXXX advised customer service the accounts do not reflect The goal is to fix my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion is failing to uphold their responsibility of deleting information that is inaccurate after being notified why such information is inaccurate. They are blatantly disregarding the law by reporting this false information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, account number 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 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 2024-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
On a few different days in mid XXXX, I and an authorized account manager tried multiple times to file a price protection claim online at XXXX website, but each time I received an error message that read Sorry, this card does not have any benefits registered. This was despite the fact that when I was applying for the card, price protection ( among several other protection benefits ) were advertised. In addition, the benefits booklet that was mailed to me along with the card reconfirmed the protection benefits that the card had and described their terms and conditions. After not being able to file the claim online, the business account manager contacted the card benefit services phone line but they could not see any benefit associated with my card either. They said they will investigate and fix this problem, and will call back to let us file the claim. I was contacted a few days after and was informed that the problem has not been fixed yet. Upon trying to file a claim online, the problem has not been fixed as of today.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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