vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-22 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: TX

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters. 

XXXX XXXX  XXXX {$0.00} XXXX XXXX {$940.00} XXXX  XXXX {$570.00} XXXX XXXX XXXX {$300.00} XXXX XXXX {$2600.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX {$8300.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00}

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 2024-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
My credit was damaged right after the said it would be.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 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: GA

Complaint narrative:
On XX/XX/XXXX I submitted a dispute with the cfpb about XXXX XXXX XXXX account number XXXX Complaint numbers XXXX and XXXX with XXXX  and transunion. 
Mentioned in the dispute is how XXXX is deliberately reporting inaccurate information on my report. In several disputes with transunion and XXXX, I have asked the company for proof that this account or alleged debt belongs to me. XXXX, transunion and XXXX have failed to provide adequate information to me. XXXX is reporting a collection as open with transunion even and marked it as meeting fcra regulations. That is incorrect and a clear violation. To make matters worse, XXXX shows the date of last activity with transunion as XX/XX/XXXX and XX/XX/XXXX with XXXX. I have not made any sort of payment or arrangement for this alleged debt. XXXX is updating the date of last activity to re-age the account and continue to harm me and my credit score. I demand that XXXX provide proof to me. I request full validation including a contract with my signature that says I agreed to pay XXXX XXXX XXXX  something. Not some bill or statement that just has name and address. I was previously a victim of id several data leaks including the one with XXXX, employers and XXXX XXXX XXXX. Therefore I request the that XXXX provides me with the purchase agreement and original contract with my signature

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 2024-09-22 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: GA

Complaint narrative:
On XX/XX/XXXX I submitted a dispute with the cfpb about XXXXXXXX XXXX XXXX account number XXXX Complaint numbers XXXX and XXXX with experain and XXXX. 
Mentioned in the dispute is how XXXX is deliberately reporting inaccurate information on my report. In several disputes with XXXX  and experian, I have asked the company for proof that this account or alleged debt belongs to me. XXXX, XXXX and experain have failed to provide adequate information to me. XXXX is reporting a collection as open with XXXX  even and marked it as meeting fcra regulations. That is incorrect and a clear violation. To make matters worse, XXXX shows the date of last activity with XXXX  as XX/XX/XXXX and XX/XX/XXXX with experain. I have not made any sort of payment or arrangement for this alleged debt. XXXX is updating the date of last activity to re-age the account and continue to harm me and my credit score. I demand that XXXX provide proof to me. I request full validation including a contract with my signature that says I agreed to pay XXXX XXXX XXXX  something. Not some bill or statement that just has name and address. I was previously a victim of id several data leaks including the one with XXXX, employers and XXXX XXXX XXXX. Therefore I request the that XXXX provides me with the purchase agreement and original contract with my signature

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 2024-09-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
Dear CFPB, This is a follow-up letter to an unresolved issue : the permanent limitation of my PayPal account XXXX my dropshipping middleman business. I filed a complaint against them with the XXXX-Complaint ID : # XXXX have gotten no response from them concerning my issue. Yet, my PayPal account, XXXX, was flagged for a monetary sale of " XXXX Oriented Materials, '' which is absolutely not true. I am a third-party intermediary who, through legal connection to a website via API, resells products, such as clothes, among other services. I am not in contact with the specific goods being sold or the actual content of the sale because what I receive are commissions and sales. I am involved in a business that follows all policies set by PayPal and does not sell items that are illegal or too risky. This unjustified Suspension not only affected me but hundreds of clients who relied on my service. I request immediate taking up the action to resolve this unjustified suspension and let me access my funds, carry on my business operation. You can also communicate with XXXX  about this case for more details. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX Involved Company : PayPal Inc and XXXX  XXXX  Complaint Number : Complaint # XXXX ( FIRST COMPLAINT CASE AGAINT 'S PAYPAL INC )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. 

XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 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: TX

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters. 

XXXX XXXX {$940.00} XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX {$8300.00}

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 2024-09-22 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: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. 

XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXXXXXX XXXX {$2400.00} XXXX  XXXX {$0.00} XXXX XXXX {$16000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX {$340.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX {$3300.00} ( XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX {$150.00} ( 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 2024-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: OH

Complaint narrative:
From XX/XX/year> to XX/XX/year> I was trying to access my account I provided the information they requested and still was unable to Access my account I called on XX/XX/XXXX and was hung up on several times they didn't let me in to my account when I explained that my money was stolen and also while I was in the hospital my money was stolen out of my account and they continued to lock me out of my account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-23 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX Iowa XXXX, IA XXXX Subject : Complaint Against Experian for Violations of the Fair Credit Reporting Act ( FCRA ) Dear CFPB, I am writing to formally lodge a complaint against Experian, a credit reporting agency, for violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I believe that Experian has failed to comply with its obligations under the FCRA by reporting inaccurate personal information regarding my credit report. 

The FCRA is designed to promote accuracy, fairness, and the privacy of personal information in consumer credit reports. Unfortunately, my recent experience with Experian has demonstrated a lack of adherence to these principles. I have identified several inaccuracies in my credit report, including wrong name listed as well as an address. CFBP please have this information removed because that is inaccurate information. 

Despite my efforts to rectify these inaccuracies by contacting Experian directly and providing supporting documentation, I have not received a satisfactory resolution. My attempts to dispute the inaccuracies were either ignored or inadequately addressed, which is not in line with the requirements set forth by the FCRA. 

I kindly request that the CFPB investigate this matter and take appropriate action to ensure that Experian complies with the FCRA. It is essential that consumers are protected from false information that can significantly impact their financial well-being. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue. 

Sincerely,

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 2024-09-22 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no XXXX  party involved. Please review the uploaded letters. 

XXXX XXXXXXXX {$430000.00} XXXX XXXX {$46000.00} XXXX XXXX XXXX XXXX {$3900.00} XXXX XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX {$400.00} XXXX XXXX ( Original Creditor : XXXX XXXX IN ) XXXX {$84.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$750.00} XXXX XXXX {$2100.00}

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 2024-09-22 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: LEXISNEXIS
State: GA

Complaint narrative:
Dear LexisNexis, I am writing to follow up on a previous dispute regarding a bankruptcy item listed on my credit report, under reference # XXXX. In your response, you stated that the item was verified as accurate, claiming that the information had been confirmed with the court. I have since contacted the court directly, and their response, which I have enclosed, clearly states that they do not report any information to credit agencies, including your bureau. 

As such, I am formally requesting the immediate deletion of this item from my credit report to ensure compliance with federal law. Please provide me with documentation supporting your verification of this bankruptcy with the court, as you claimed, within the legally required XXXX period. Failure to do so will leave me no choice but to escalate this matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing any additional legal remedies available to me. Please confirm receipt of this letter and take the appropriate action promptly

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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: WI

Complaint narrative:
Discovering an error indicating a late payment on my account, despite my consistent adherence to payment deadlines, is disheartening. This oversight is generating unnecessary stress, and I urge you to promptly rectify the situation by updating my records 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 explanation
Consumer complaint received 2024-09-22 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: REGIONS FINANCIAL CORPORATION
State: WV

Complaint narrative:
I reported fraud on XX/XX/XXXX in the amount of {$380.00}. When I reported this, I was told that a new card would be sent out and a dispute would be put in and I should receive an answer within XXXX days. I called on XX/XX/XXXX, to find out the resolution, but was told it was still under review. Come to find out that a fraud case wasn't even put in until I called on XX/XX/XXXX. However, I did not know this until further down the line. I called again on XX/XX/XXXX, XX/XX/XXXX and XXXX, XXXX only to get the same response. I was told numerous times that there wasn't an email or phone number to the fraud dept and they would be contacting me when they've reached a decision. On XX/XX/XXXX I finally got a phone number, name, and an email address to speak with the fraud department directly. I emailed them once on XX/XX/XXXX. In XXXX I emailed them on XXXX XXXX XXXX  XXXX. XX/XX/XXXX. XX/XX/XXXX, XXXX, XXXX. XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. A total of XXXX times. The last XXXX emails came back as mailer-daemon. In XXXX I called on XXXX XXXX. XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. In XXXX I called on XX/XX/XXXX, XXXX, XXXX. XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. A total of XXXX times. The name, email address and phone number I received is, XXXX XXXX. My case number is XXXX. The card number that was fraudulent was XXXX in the amount of {$380.00}.

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 2024-09-23 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: GA

Complaint narrative:
I recently reviewed a copy of my credit report, I was shocked to learn that I have been a victim of Identity theft. I found numerous accounts on my credit report that were not open by me. That has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.

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 2024-09-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Company : Paypal My account ( previous ) : XXXX My account ( current ) : XXXX ( I changed after previous email was hacked ) Case # : XXXX ( message : Based on our review, we found this transaction is consistent with your PayPal payment history ) Unauthorized Transactions XXXX XXXX ( - {$1000.00} ), XXXX ( - {$1600.00} ) My mailing address : XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, CA, XXXX My phone number XXXX XXXX Description : The scammer purchased something from XXXX using my hacked PayPal account and set the mailing address to XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX. My address has been consistent with XXXX XXXX for XXXX  years, and I have to report the address change as a green card holder. And it hasn't changed. Those are clearly different from previous transactions, and Paypal is refusing to admit it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-22 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: NC

Complaint narrative:
According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within XXXX  days of receipt of this complaint.

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 2024-09-22 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters. 

XXXX XXXXXXXX {$430000.00} XXXX XXXX {$46000.00} XXXX XXXX {$240.00} XXXX XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXXXXXX XXXX {$400.00} XXXX  XXXX {$750.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX {$84.00} XXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX {$150.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-22 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: PA

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. 

Remove the disputed account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-22 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: GA

Complaint narrative:
Dear XXXX, I am writing to follow up on a previous dispute regarding a bankruptcy item listed on my credit report, under reference # XXXX. In your response, you stated that the item was verified as accurate, claiming that the information had been confirmed with the court. I have since contacted the court directly, and their response, which I have enclosed, clearly states that they do not report any information to credit agencies, including your bureau. 

As such, I am formally requesting the immediate deletion of this item from my credit report to ensure compliance with federal law. Please provide me with documentation supporting your verification of this bankruptcy with the court, as you claimed, within the legally required XXXX period. Failure to do so will leave me no choice but to escalate this matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing any additional legal remedies available to me. Please confirm receipt of this letter and take the appropriate action promptly

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