vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-31 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: PA

Complaint narrative:
I found incorrect accounts on my credit report tonight, and I have no idea what caused them. I checked my credit report like I always do, but this time, there were unexpected discrepancies. Refreshing my browser didnt remove the errors, so I am requesting a thorough review of the documents I sent to resolve this issue permanently.

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 2024-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

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. 

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 XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citi Reference Number / Case Number XXXX On XX/XX/scrub>XXXX  XXXX, 2024, I made a check deposit of {$370000.00}, which was payment by XXXX XXXX. Shortly after making this deposit, and partial funds being made available, my card was declined while trying to make a purchase. After calling a representative, I was told I needed to go to my local branch and speak with someone. My local branch XXXX called someone in another department- which I assume was fraud- at which time I was told that my account would be closed due to it being compromised. At no point was my account compromised, and there was no act of fraud committed. 

Despite being informed that my account would be closed, my account is now frozen, and I have no access to any funds. This situation is causing significant inconvenience and financial strain, as I have no money to pay rent and bills. 

I contacted the XXXX  XXXX XXXX XXXX on XX/XX/XXXX, and given a case # ( above ), and on XX/XX/XXXX, the XXXX XXXX ( XXXX XXXX said he would contact me once he hears from their fraud department.

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 2024-07-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
On XXXX XXXX, 2025, I requested that my Venmo Account be deleted or canceled. They informed me that they can not delete my account without me providing a copy of a US government ID and a Selfie with the ID. 

All I'm trying to do is cancel my account and they are requesting private records and images. I am not comfortable with this and they do not have an alternative. They have allowed the account to be used without this unnecessary action, but are now requiring this burden when I want to cancel the account. 

I have attached the e-mail conversation with Venmo on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
Hi there, My name is XXXX XXXX and I have been a Citibank customer for over 2 years. I reside in XXXX XXXX, XXXX  where there are no nearby Citibank branches, so all my banking activities are done online or through ATM withdrawals. Recently, I have been experiencing unexpected difficulties with Citibank, requiring me to call them frequently to resolve issues. I am writing with distress as a few days ago, I received a transfer from another business bank account and proceeded to initiate a wire transfer. Despite confirming the activities with Citibank representative on phone, the rep said they would go ahead with the wire transfer and a few minutes later I received a confirmation email that the wire transfer would be sent the next business day, but the next day I woke up to find out that the wire transfer had been cancelled and it said it was at my request, which I never requested. I logged into my bank account and found that my XXXX checking account and my XXXX Account were blocked and only my accelerated savings account was unblocked. When I contacted Citibank, they informed me that my accounts would be closed without providing any explanation. This situation has left me feeling frustrated and I am unable to access my funds to pay bills or carry out other necessary transactions. This situation has left me feeling that my banking rights are being violated. I was not informed about when I will be receiving a check in the mail. With all my funds tied up, I am unable to pay bills or conduct other necessary transactions. I am requesting immediate intervention to address these issues as I am currently feeling frustrated and overwhelmed. I am requesting for my account to be unblocked or for a swift resolution of the situation as I have outstanding bills incurring interest when not paid. I contacted the XXXX few days ago and I was assigned a case number XXXX. My account details are below. 

Account Name : XXXX XXXX XXXX Checking : XXXX Access Account : XXXX I hope that something will be done about this issue soon. Thank you for your time and assistance. 

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 2024-07-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am not looking for any resolution. This is to primarily inform CFPB that Capital One penalises customers for lodging repeated complaints via the CFPB platform, Capital One closes credit cards if customers lodge too many complaints via CFPB, but of course on paper they don't mention that. I urge CFPB to investigate Capital One 's internal operations. 

In the last couple of months I didn't get required service from Capital One call center operators, not only that they even refused to provide service, accusing me of false allegations over the phone. As a matter of fact I already have an active complaint still pending with CFPB against Capital One. Everytime I have lodged a complaint in the last XXXX months Capital One took sixty days to respond and the response came with just an apology ; Capital One never fixed the problems. I was trying to rebuild my credit scores following my bankruptcy and now they have closed my credit cards damaging my credit report further, just because I lodged numerous complaints against them via the CFPB platform. I urge CFPB to investigate Capital One 's internal operations.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 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: LA

Complaint narrative:
I just recently looked at my credit report XX/XX/year> and I saw some hard inquiries that did not have permissible purpose. This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 1 ) XXXX XX/XX/year> This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX ) XXXX OF XXXX XX/XX/year> This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX ) XXXX XXXX XXXX XX/XX/year> This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of XXXX XXXX XXXX XXXX ) XXXX XXXX XX/XX/year> This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 5 ) XXXX XXXX XXXX XX/XX/year> This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX ) XXXX XXXX XXXX XXXX XX/XX/year> This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b

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 2024-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
This is complaint is serious and is not sent in error. The inaccurate nformation in my credit report has caused me frustration and incovenience as it has impacted my ability to secure credit approvals.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I have disputed with XXXX XXXX XXXX every 45 days about the XXXX  unknown statues on my credit reports from Transunion, XXXX and XXXX  for the month and year of XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX the dates listed were paid on time. The also reported several incorrect late payments I have disputed with no resolution.

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 2024-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I have disputed with XXXX XXXX XXXX every 45 days about the XXXX  unknown statues on my credit reports from XXXX, equifax and XXXX  for the month and year of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX the dates listed were paid on time. The also reported several incorrect late payments I have disputed with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I have disputed with XXXX XXXX XXXX every 45 days about the XXXX unknown statues on my credit reports from XXXX, XXXX and experian for the month and year of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX the dates listed were paid on time. The also reported several incorrect late payments I have disputed with no resolution.

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 2024-07-31 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: NJ

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


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

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 2024-07-31 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: NJ

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


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

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 2024-07-31 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: NCB Management Services Inc.
State: VA

Complaint narrative:
I was a victim of Identity thief the account that is in question is not mind. 
Someone opened up credit in my name back in XXXX time frame. 
The account got sent to NCB XXXX XXXX. I have been disputing this for a few years now to no avail. I need this removed from all of my credit reports. 
This account was open on : Date opened XX/XX/XXXX Date closed XX/XX/XXXX Past due {$0.00} XXXX XXXX XXXX XX/XX/XXXX Days Late XXXX This has been a real headache and I'm really tired all the craziness going with this company. Please help get this removed from my credit profile please. 

thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Affirm Holdings, Inc
State: LA

Complaint narrative:
XXXX has allowed Affirm to report buy now pay later accounts to my credit report. After disputing the accounts multiple times they refuse to remove them even know these types of accounts are not suppose to be reported to the credit bureaus. Affirm has also refused to remove the accounts as well despite it going against the credit reporting rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 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: PA

Complaint narrative:
Inquiry for XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/2024. These were not authorized by me. Please remove. 

I applied for an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and Transunion which left me with two hard inquiries on my credit report for one credit card app. I called to have this issue corrected and I was told I needed to dispute it with the credit bureaus. This has been frustrating to say the least because the credit bureaus has not been helpful either. I am asking for this to be corrected ASAP.

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 2024-07-31 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Inquiry for XXXX XXXX XXXX XXXX XXXX XXXX. These were not authorized by me. Please remove. 

I applied for an XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX which left me with two hard inquiries on my credit report for one credit card app. I called to have this issue corrected and I was told I needed to dispute it with the credit bureaus. This has been frustrating to say the least because the credit bureaus has not been helpful either. I am asking for this to be corrected ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-31 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I just recently looked at my credit report XX/XX/2024 and I saw some hard inquiries that did not have permissible purpose. This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX  ) XXXX XX/XX/2024 This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 2 ) XXXX OF XXXX XX/XX/2024 This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX ) XXXX XXXX XXXX XX/XX/2024 This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX XXXX XX/XX/2024 This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX ) XXXX XXXX XXXX XX/XX/2024 This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX ) XXXX XXXX XXXX XXXX XX/XX/2024 This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

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.

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 response to consumer: Closed with non-monetary relief