vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened a citi checking account. I have XXXX citi credit cards XXXX being a decade older. They kept on sending promos to open checking account to receive bonus. I transferred XXXX to the account. I realized I needed to do XXXX  or XXXX  to get the bonus. So I tried to withdraw XXXX after XXXX  days of sending XXXX to it. Since that day they closed online access. I talked to several agents, went to branch No one gives an answer. Asks to wait XXXX  days for a letter. I need my funds urgently. It falls on deaf ears.

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 2024-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I'm sick and tired of waiting a whole entire week for venmo to not let me have access to my money, I lost my wallet so I uploaded a previous version of my ID that I've had the driver 's license which is my picture with my information nothing 's changed after I've submitted documentation of last Saturday, every type driver 's license bank statements utility sheets for addresses my social security card this is prejudiced and this is 100 % what XXXX countries do now my bank account is over drafted {$11.00} because they have not given me access to my money in over 7 days and that's the time of starting when I gave released my documentation to prove that it was me I'm sleeping in my truck right now I have no food I have no gas and I've nowhere to go and I've called them for the past 5 days and they have not done anything

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: GA

Complaint narrative:
They just called me XXXX. I was asleep and on call for my job and was woken up by the phone ringing for a debt collector when I wake up at XXXX for work. I asked repeatedly not to call and they kept asking if I was the person they wanted to talk to. I have also been paying on the account they are asking about for awhile now through another website. They have also sent multiple people to my parents home to serve me and it's becoming harassment at this point

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: GA

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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:
I check my credit report and notice that a credit card that I didn't open was on my credit report which is XXXX ending in XXXX open on XX/XX/year>, in the amount of {$1300.00} which I didn't open. This account is fraud and should be deleted/blocked from my credit report. I immediately did a police report and FTC report and called the creditor about this fraud account

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 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if 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 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have previously disputed the bankruptcy that is listed under judgments on my credit report. This is was by the United States bankruptcy XXXX XXXX XXXX XXXX North Carolina. TransUnion, XXXX, and XXXX in response verified that the item as accurate, stating that they have verified information with the Courts. I have contacted the court and their response is Enclosed. It is clear they do not report to any of the reporting agency so the original response was an error or a lie. Earthier way the reporting requirements don't comply with the FCRA sub section 611 15 U.S.C. sub section 1681 and the information must be deleted immediately.

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 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have previously disputed the bankruptcy that is listed under judgments on my credit report. This is was by the United States bankruptcy XXXX XXXX XXXX XXXX North Carolina. XXXX, Equifax, and XXXX in response verified that the item as accurate, stating that they have verified information with the Courts. I have contacted the court and their response is Enclosed. It is clear they do not report to any of the reporting agency so the original response was an error or a lie. Earthier way the reporting requirements don't comply with the FCRA sub section 611 15 U.S.C. sub section 1681 and the information must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: IN

Complaint narrative:
I am writing to formally request that you block and delete the accounts and inquiries listed below from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and these items were fraudulently opened or conducted in my name without my authorization. 
The fraudulent accounts and inquiries are as follows : Accounts 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 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: IN

Complaint narrative:
I am writing to formally request that you block and delete the accounts and inquiries listed below from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and these items were fraudulently opened or conducted in my name without my authorization.

The fraudulent accounts and inquiries are as follows : Accounts 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 XXXXXX/XX/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 2024-12-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Dear Sir or Madam : As I already reported via XXXX, I am the victim of identity theft. I am writing to dispute a fraudulent charge on my account in the amount of {$420.00}, I am a victim of identity theft, and I did not make this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. 
Pursuant to federal law, I am requesting that you provide me and/or the listed Law Enforcement Designee, at no charge, copies of the transaction details and business records in your control relating to the fraudulent transactions. A copy of the relevant federal law is enclosed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 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: TX

Complaint narrative:
Texas Attorney General Child Support are illegally reporting to credit bureaus which violates my constitutional rights. All reporting needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Comerica
State: OK

Complaint narrative:
I had disputed several charges that were fraudulent direct express assured me that the charges would be credit back to my bank card and they did temporarily and then recharged me back the following month. This has been going on since XXXX of this year totaling {$1200.00} to date. I was told they cases were being investigated with no avail they or coresspondince from them. In addition there was so much its hard to write everything they really comprised me and left me broke every month. I called several times only to be hung or then I went to the local social security department and they informed me of how fraudulent this bank was but couldn't help me. I also went to several banks locally asking for help with my situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-13 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: MD

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX which falls under trafficking according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following accounts 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 2024-12-13 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: CA

Complaint narrative:
Recently, I reviewed my credit report and discovered several inaccuracies. 

Under 15 U.S. Code 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy in their reports.

According to 15 U.S. Code 1681i ( 5 ), if a reinvestigation reveals that disputed information is inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify the item and notify the furnisher of the changes. 

I request that you update, block, or delete the inaccurate accounts and unauthorized

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 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: FL

Complaint narrative:
Despite providing comprehensive evidence, including identity verification, proof of address, and a valid identity theft report, XXXX and TransUnion have failed to remove the following disputed accounts from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts were disputed as fraudulent and unverifiable. Under FCRA 611, unverifiable information must be deleted. 

However, the credit bureaus continue to report these accounts without providing evidence to support their accuracy. 

This lack of action violates my rights under the Fair Credit Reporting Act and has caused significant harm to my creditworthiness and financial stability. Despite multiple submissions of all required documentation, including a valid FTC identity theft report and supporting evidence, the investigation process has been inadequate and non-compliant.

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 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
1. I have XXXX ( XXXX ) closed student loan accounts named XXXX XXXX XXXX XXXX XXXX XXXX that are XXXX ( XXXX ) and XXXX ( XXXX ) years old each. 

2. I have XXXX ( XXXX ) closes student loan account named XXXX XXXX XXXX XXXX # XXXX that is sixteen ( XXXX ) years aold anf XXXX ( XXXX ) months. 

XXXX. I have XXXX ( XXXX ) closed student loan account named XXXX XXXX XXXX XXXX # XXXX that is XXXX ( XXXX ) years old and XXXX ( XXXX ) months. 

According to XXXX, closed accounts that are XXXX ( XXXX ) years old will be removed. These accounts are over XXXX ( XXXX ) years old and continues to appean on my credit report. It is negligent that XXXX which represents XXXX of the XXXX ( XXXX ) credit bureaus, continues to display these closed accounts on my credit report. These accounts has caused my XXXX XXXX not move and my purchase of buying a house. It is believable that the government continues to hold the people of the United States in bondage with this antiquated system. Please delete these accounts from my credit account immeidately.

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 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX. I have XXXX ( XXXX ) closed student loan accounts named XXXX XXXX XXXX XXXX # XXXX that are XXXX ( XXXX ) and XXXX ( XXXX ) years old each. 

XXXX. I have XXXX ( XXXX ) closes student loan account named XXXX XXXX XXXX XXXX # XXXX that is sixteen ( XXXX ) years aold anf XXXX ( XXXX ) months. 

XXXX. I have XXXX ( XXXX ) closed student loan account named XXXX XXXX XXXX XXXX # XXXX that is XXXX ( XXXX ) years old and XXXX ( XXXX ) months. 

According to Equifax, closed accounts that are XXXX ( XXXX ) years old will be removed. These accounts are over XXXX ( XXXX ) years old and continues to appean on my credit report. It is negligent that equifax which represents XXXX of the XXXX ( XXXX ) credit bureaus, continues to display these closed accounts on my credit report. These accounts has caused my credit score not move and my purchase of buying a house. It is believable that the government continues to hold the people of the United States in bondage with this antiquated system. Please delete these accounts from my credit account immeidately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX. I have XXXX ( XXXX ) closed student loan accounts named XXXX XXXX XXXX XXXX # XXXX that are XXXX ( XXXX ) and XXXX ( XXXX ) years old each. 

XXXX. I have XXXX ( XXXX ) closes student loan account named XXXX XXXX XXXX XXXX # XXXX that is sixteen ( XXXX ) years aold anf XXXX ( XXXX ) months. 

XXXX. I have XXXX ( XXXX ) closed student loan account named XXXX XXXX XXXX XXXX # XXXX that is XXXX ( XXXX ) years old and XXXX ( XXXX ) months. 

According to XXXX, closed accounts that are XXXX ( XXXX ) years old will be removed. These accounts are over XXXX ( XXXX ) years old and continues to appean on my credit report. It is negligent that XXXX which represents XXXX of the XXXX ( XXXX ) credit bureaus, continues to display these closed accounts on my credit report. These accounts has caused my XXXX XXXX not move and my purchase of buying a house. It is believable that the government continues to hold the people of the United States in bondage with this antiquated system. Please delete these accounts from my credit account immeidately.

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 2024-12-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Spring Oaks Capital, LLC
State: NY

Complaint narrative:
Spring oaks capital llc This should not be added as collections on my credit, it is from XXXX and Im not sure what it is but I should not owe anything to this company

Company response to consumer: Closed with non-monetary relief