vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-17 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



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 2024-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I am writing to bring attention to a concerning matter regarding my credit file. I have noticed the presence of a collection entry from your agency, which has alarmed me as I was not previously informed about this collection. Additionally, I harbor serious doubts about the accuracy of the debt being claimed. In accordance with the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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: RI

Complaint narrative:
After reviewing my Equifax credit reports, I can see information on my credit report that were not authorized. I'm a victim of Identity theft and this information is not mine. Please see attachments below

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: DISCOVER BANK
State: MD

Complaint narrative:
I was directed by the Federal Reserve complaint office to submit this to the CFPB. I will also be submitting this complaint to the FDIC and the Delaware XXXXXXXX XXXX XXXXXXXX both of whom regulate Discover Bank. 

Since all debt is the responsibility of the United States Government and I am the creditor, I do not understand how a Bank, a borrower, can charge off my account and then sell it for a profit ( they are paid by the insurance company when " charged off '' and then sell to Dent collectors, when my account has been and always will be FULLY funded by my Estate/Corporate entity. 

Discover Bank charged off my Discover card after my spouse lost my job during the COVID epidemic and that severely impacted our household income. They sold the account to XXXX XXXX, a Debt Collector and law firm XXXX XXXX XXXXXXXX. I have never entered into a Consumer Credit Transaction with Portfolio Recovery or XXXXXXXX XXXX XXXXXXXX. Discover Bank has never allowed me to participate in their arbitration after numerous requests by me. I have tried repeatedly to get this Consumer Credit transaction validated from XXXX XXXX and XXXXXXXX XXXX XXXXXXXX. XXXX XXXX XXXXXXXX has taken me to court, XXXX XXXX Maryland XXXX XXXX Case # XXXX and the Judge sided with them and I now have a judgement against me and are threatening garnishment. Portfolio Recovery bought a bundle of charge offs as an investment and now along with the XXXX XXXX Maryland XXXX XXXX are trying to get my family and I to pay their ROI and profit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
On XX/XX/2024, the credit card collections team at Bank of America took money out of my account because of a debt owed by my Mother 's business. I am a XXXX XXXX XXXX, and I work to earn my own money. I don't live with my mother. She opened the bank account for me when I was a minor and I forgot she was on the account ( it was required that I add a parent to open the account ). On XX/XX/XXXX, with no notice. there was an offset for an overdue business credit card payment taken from my account for {$1200.00}, this was not a debt of mine, but from a debt owed by a company owned by my Mother. This withdrawal has caused me to personally go into deep financial distress. I was not able to pay my rent, I am now behind on my bills. I work for my money, my mother does not provide for me. I called the bank to explain the situation, I removed my mother from my account, and on XX/XX/XXXX I was told that the offset would be reversed and the {$1200.00} added back to my account. My mother also called and made payment arrangements for herself to resolve the debt, and representative XXXX XXXX told her the funds would be added back to my account. It is now over a month later and I have not yet received the funds. I am in a desperate financial situation, I am XXXX XXXX XXXX and forced to pay for my mom 's business debt. This is very unfair. Today when I called then they told me the reversal was declined, a month after I was told it was approved. This is unethical and unacceptable. Bank of America should be forced to give me back my money and resolve any debt related issues directly with my mother and her 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 explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover one instance of late payments recorded PENNYMAC LOAN SERVICES L. Perplexed by this discrepancy, I contacted PENNYMAC LOAN SERVICES L to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and this creditor to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, PENNYMAC LOAN SERVICES L swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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: FL

Complaint narrative:
Dear Experian Customer Service, Upon reviewing my account, I am disputing the late payment reported for XX/XX/XXXX. Experian has already found this dispute to be in my favor. As of the credit report dated XX/XX/XXXX, sent to me by Experian, XXXX XXXX reported an Exceptional payment history ( Open/Never Late ). I am perplexed as to why, despite this, there is a discrepancy with my current dispute for XXXX XXXX, and my account is still reported as late for XX/XX/XXXX. 

I have attached a copy of the Experian report indicating that my account was current as of XX/XX/XXXX. Additionally, I am disputing the late payment reported for XX/XX/XXXX, as you are still reporting this payment as late. I need Experian to update my account to reflect that it was paid within 30 days for both XX/XX/XXXX and XX/XX/XXXX. 

Furthermore, both XXXX and XXXX report my account as current and never late for XXXX XXXX. 

I have also attached my bank statement as proof that my account was paid within 30 days for the month of XXXX. 

It is imperative that Experian rectifies these inaccuracies promptly to ensure the integrity of my credit report and prevent any further financial implications. 

I expect immediate action to resolve this dispute and appreciate your prompt attention to this matter. 

According to the Experian Report from XX/XX/XXXX, XXXX XXXX had reported my account as " Paid Never Late ( Exceptional ). '' Now, with a new dispute opened regarding XXXX XXXX 's incorrect reporting for XX/XX/XXXX, my account is suddenly showing late payments. This discrepancy is alarming, especially considering that the issue for XX/XX/XXXX had already been resolved. I have submitted my bank statement and uploaded the XX/XX/XXXX report as evidence to support my case.

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 2024-04-17 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: TX

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 


XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX Inquiry 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 2024-04-17 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: CA

Complaint narrative:
I noticed a collection post to my XXXX credit file effective XX/XX/2024 in the debt amount of {$10000.00} from IQ DATA INTERNATIONAL. 
Claiming to be from creditor ACCENT OF THE GALLERIA. This account was open fraudulently due to identity theft. I have NEVER lived at the address on this account. Please review all addresses in my XXXX CREDIT FILE. IVE NEVER LIVED THERE!!! PLEASE DELETE THIS ACCOUNT. IMMEDIATELY! I HAVE FILED A IDENTITY THEFT REPORT AND A POLICE REPORT ON THIS MATTER PLEASE REVIEW ATTACHED DOCUMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: MD

Complaint narrative:
App updated and no longer shows balance after each individual transaction. Only shows current available balance and transaction history. On Saturday i went to XXXX and had XXXX available balance in my one account and XXXX in my spot me. After spending {$88.00} my account dropped to {$39.00}. When i call chime to explain money is missing they admit my transactions vs deposits dont line up and i am missing {$88.00} because my balance should have been XXXX instead of {$39.00}. They stated there is no transaction history of where this money went and they would escalate it. I still have had no response, no help, they hang up on me. And i have entire conversation that originally took place where they admit the money is just missing audio recorded on my phone and have proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
PayPal held my funds for 180 days, concluding on XX/XX/year>. Following the expiration of this hold period, I attempted to withdraw my funds in accordance with PayPal 's instructions, transferring them in sequence to my linked card and apart from withdrawing my funds as instructed by paypal, no other transaction occur on the account. To my surprise, on XX/XX/year> my account was once again restricted, with PayPal citing a purportedly high level of risk associated with my account. This action contradicts PayPal 's previous assurance that my funds would be released after the 180-day hold period. 
After filing a complaint with CFPB. On XX/XX/year>, I received a check from PayPal in the amount of {$14000.00} which is the remaining balance in my account with PayPal. I immediately went to deposit the check into my bank account on the same day, as any responsible recipient would. 
However, to my disbelief, on XX/XX/XXXX, just two days later, my bank informed me that the check had been returned due to a stop payment request initiated by PayPal. I do not understand why PayPal would issue a check only to request a stop payment on it shortly thereafter. I will attach a screenshot from my bank confirming the return of the check for your reference. I urge PayPal to rectify this situation immediately by reissuing the payment without any further delays or disruptions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: OH

Complaint narrative:
I consistently make on-time payments. I am confident about this. What baffles me is why this company is marking me late in some months, which shouldn't happen. As per USC 1666b, any billing errors must be rectified, or else they'll owe me {$1000.00} for each inaccurately reported 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 2024-04-17 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: MI

Complaint narrative:
Equifax Credit Bureau Continues to violate my consumer rights by reporting XXXX XXXX on my credit report as a charge off collection account. I have never consented to having a business relationship with this creditor. This account is fraudulent. I have continually disputed this account with Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TransferWise Ltd
State: RI

Complaint narrative:
On XX/XX/XXXX I contacted Wise.com to tell them that I had noticed there were emails I was getting that showed transfer activity I didn't do. I sent they my IDs and they responded back saying there was an account created with my information that had the wrong birthday so I couldn't get access. I told them to shut that down but leave my other account with over {$35000.00} active. On XX/XX/XXXX, They told me they would shut down the one that had incorrect information, but I could still use my regular account. They deactivated both accounts and mentioned, " While deactivating your other duplicate personal account, the business account was also accidentally deactivated.I have raised your issue with the relevant team and it will be resolved soon. '' Its been 3 weeks with no updates from them. I've called their customer support line at least 6 times and every time they create a ticket and say its going to be resolved but I have received no contact and my funds are still locked up.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
15 USC 1681 refers to the Fair Credit Reporting Act ( FCRA ), a federal law enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It governs how consumer reporting agencies collect, use, and disseminate consumer credit information. 11

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 2024-04-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: U.S. BANCORP
State: LA

Complaint narrative:
Im added as an authorized user on a an account I dont know anything about. Its My wife account and I did not give permission to be added as authorized user.

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 2024-04-17 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: MI

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-04-17 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: MI

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-04-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX took me to court in 2022 for a garnishment. They are not on my credit. Right now the original debtors are still on my credit report in collections! They took XXXX in garnishment. They also are trying to collect another XXXX. All of this is illegal! They do not have the original contracts. They are also trying to illegally collect my XXXX pay which by Maryland Debt Collection Act they are breaking the law. They must be stopped!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Business Financing Corporation
State: VA

Complaint narrative:
Hi I'm XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. Recently we decide to switched our factoring company to another and find some issues regarding of debt. It was the process to transfer your documentations, reports from one financial institution to another. And our potential factor company fined the XXXX debt of {$17.00} and nobody didn't know about that ether us, ether our current factoring.. So after my attempted to connect with them, they send me the contract which I attached to you below, this contract on my name, on my company but I have not idea what is that from and where they appear. So in result we can't move to new factoring company with those XXXX debt and already sign the termination letter with our current factoring ( which have not idea what is the debt from ).. 
The new factoring advise me to find the company who basically can help with disputing or relief programs. 
Please advise what I can do and what I should provide else to start that process. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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: OH

Complaint narrative:
I am reaching out to contest the presence of this bankruptcy on my credit report. This issue is deeply troubling, especially considering I have a court letter explicitly stating that this bankruptcy should not be reported to you. Moreover, the involvement of an unauthorized third party only exacerbates the absurdity of this situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: MD

Complaint narrative:
PNC has not responded to either of my previous complaints and has now locked my account completely without explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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: GA

Complaint narrative:
I was looking at my credit report and noticed that there were hard inquiries that are not mine on there.

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