vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have not received anything from Transunion in regards to my credit report and FAL report. They claimed that they would send out a report but I have not received anything. It has been over two weeks. I need my consumer report and FAL report. I've been trying to reach out to Transunion, they have not given me access to my CONSUMER CREDIT REPORT and FAL REPORT. I have attached screenshots as proof. All I want is to have my CONSUMER CREDIT REPORT AND FAL REPORT. Nothing less, and nothing more. Pursuant to 15 USC 1681 ( 4 ). Transunion has a grave responsibility with fairness to the consumer to abide to the Fair Credit Reporting Act. Pursuant to 15 USC 1681 ( 3 ), consumer reporting agencies have ASSUMED a vital role in assembling and evaluating consumer credit. I demand my CONSUMER REPORT AND FAL REPORT. I am entitled to a free weekly report due to the current pandemic.

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 2021-12-02 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: TX

Complaint narrative:
XXXX XXXX Paypal locked my account with a balance if {$6700.00} on my wallet. They didnt clearly tell me any violation i violated and held my funds. I noticed on XXXX XXXX paypal transferred my funds to themselves and my balance went on zero. Once i noticed i called them XX/XX/2021 asking for reasoning and didnt give me a clear answer nor allowed me to speak with anyone who could explain why they locked and whiped my account balance clean. They just saying that i wont recieve my funds but that doesnt make any sense. My account is approaching the 180 day mark they say it will be in and funds will be released but the funds are no longer there and i need my money back asap! i opened another account in XXXX they also lovked that account a month later. Total alount in both accounts {$10000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Owed : {$530.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Hello hope all is well. I have 19 insufficient fees taken from my account from XX/XX/XXXX thru XX/XX/XXXX. XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX ) XXXX ( XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX ) XXXX ( XXXX ) XX/XX/XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) and XX/XX/XXXX ( XXXX ) Grand total is {$640.00} to Chase bank for overdraft fees. Tried calling but have not been able to get through. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: PNC Bank N.A.
State: AZ

Complaint narrative:
My name is XXXX XXXX. I opened a PNC Virtual Wallet with Performance Select account on XX/XX/2021, which I applied through the PNC website with the promotion to receive {$400.00} after {$5000.00} direct deposit between XX/XX/2021 to XX/XX/2021 to open the account. But today the customer service from PNC told me my account has no promotion applied, even I have qualified direct deposit to my PNC account. This is definitely something wrong since I applied through the PNC website with the promotion code on my application before I submit the application. I am very sure because I double-check that before I submit my application online. If the promotion code is not applied to my account that should be PNC 's mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Comerica
State: TX

Complaint narrative:
I have been banking with this Bank for 30 plus years. I have been trying to apply for a Home Equity Loan. I have been denied 3 times. First one was over the phone and I was denied right away. But my original bank found the paperwork and and gave me a credit card with limit XXXX to do some repairs. Next I tried for a Home Equity Loan about 2 years ago and I was told my XXXX XXXX was too low. I applied for one XXXX XXXX now they are saying my debt to income ratio is to high. I have Student Loans and I am working for the State of Texas if I work for 10 years my student loan will be forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have not received anything from Equifax in regards to my credit report and XXXX XXXX. They claimed that they would send out a report but I have not received anything. It has been over two weeks. I need my consumer report and XXXX XXXX. I've been trying to reach out to Equifax, they have not given me access to my CONSUMER CREDIT REPORT and XXXX XXXX. I have attached screenshots as proof. All I want is to have my CONSUMER CREDIT REPORT AND XXXX XXXX. Nothing less, and nothing more. Pursuant to 15 USC 1681 ( 4 ). Equifax has a grave responsibility with fairness to the consumer to abide to the Fair Credit Reporting Act. Pursuant to 15 USC 1681 ( 3 ), consumer reporting agencies have ASSUMED a vital role in assembling and evaluating consumer credit. I demand my CONSUMER REPORT AND XXXX XXXX I am entitled to a free weekly report due to the current pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: FinCo Services Inc DBA Current
State: NY

Complaint narrative:
On Sunday XX/XX/XXXX I made XXXX balance transfers to from my XXXX XXXX XXXX XXXX XXXX XXXX XXXX to my Current Card account and current said it will be in my account within XXXX XXXXays. The next day, XX/XX/XXXX the transactions is still pending. No worries. XXXX  Days later XX/XX/XXXX the transaction is still pending. I've contacted my bank XXXX XXXX XXXX bank and the money has been taken out of my savings account on XXXX and Current has not funded my card yet which is not inconveniencing me. I've called their customer service phone number, which by the way they say they're available XXXX hours daily, yet when you call XXXX, you get an answering machine ... an ANSWERING MACHINE!!! REALLY??? which that then tells you to contact them via the app. You can't press any options and no one is available to talk..Then when you go to the app it says " no ones online right now and to provide you email and someone will contact you back when they are online. '' I've been trying for the past XXXX hours to get in touch with them and have left several messages and no one is responding, Meanwhile, my money is not in my account and I'm still being inconvenienced and TODAY XX/XX/XXXX is D DAY for what I need to do and this is ridiculous. I NEED MY MONEY. They need to be fined for false advertisement and bad business practices.. Because My BANK released my sum {$350.00} XXXX days ago and CURRENT CARD is holding it. XXXX XXXX. I've attached my pending transactions screenshots taken today..that still has XXXX XXXX date on them ... in addition to their phone number and a screenshot of the chatbox in the app.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Credit reporting, credit repair services, 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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 

XXXX XXXX Account XXXX XXXX Date opened XX/XX/XXXX Account status XXXX XXXX updated XX/XX/XXXX Account type Charge Card Payment status XXXX  was past due XXXX  days Balance {$0.00} Balance updated XX/XX/XXXX Credit limit {$300.00} Usage 0 % Monthly payment {$0.00} Past due amount - Highest balance {$520.00} Terms Revolving

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 2021-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 

XXXX XXXX Account XXXX XXXX Date opened XX/XX/XXXX Account status XXXX XXXX updated XX/XX/XXXX Account type Charge Card Payment status XXXX XXXXas past due XXXX  days Balance {$0.00} Balance updated XX/XX/XXXX Credit limit {$300.00} Usage 0 % Monthly payment {$0.00} Past due amount - Highest balance {$520.00} Terms Revolving

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX Account XXXX XXXX Date opened XX/XX/XXXX Account status Open Status updated XX/XX/XXXX Account type Charge Card Payment status Current, was past due XXXX days Balance {$0.00} Balance updated XX/XX/XXXX Credit limit {$300.00} Usage XXXX XXXX Monthly payment {$0.00} Past due amount - Highest balance {$520.00} Terms Revolving

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 2021-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : Social Security Number : To Whom It May Concern : I have recently been informed that there is negative information reported by CREDIT CONTROL SERVICE in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing I owe {$360.00} on XX/XX/2021. 

I challenge the accuracy, compliance and reportability of this listing. 

Please validate this information with CREDIT CONTROL SERVICE and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX  or any means of automated verification. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, GA XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Credit reporting, credit repair services, 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: MD

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I recently received an answer to a dispute which state that the accounts XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were verified according to the information that you have on file. Very Respectfully, I am sure there was an error in the outcome of your decision. I am requesting the Method of Verification for the following disputed accounts : XXXX XXXX XXXXXXXX. This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). This is a request under FCRA 611 ( a ) ( 7 ) Description of reinvestigation procedure by your bureau in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ). A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Please reply within 15 days or delete the items, as originally requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Credit reporting, credit repair services, 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: NV

Complaint narrative:
Experian/Clarity/XXXX on XX/XX/21 has XXXX XXXX viewed under soft Inquiries in which it does not make sense nor justified to why so many in one day I have also filed a US attorney complaint to the issue as the DOJ on Experian/ Clarity/ 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 2021-12-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: OR

Complaint narrative:
XXXX XXXX charged me late fees and interest on payments I made in plenty of time. 
I overpaid {$98.00} on XX/XX/2021. 
I WASNT LATE IN SENDING BUT THEY CLAIM MY PAYMENT IS 1 to 2 DAYS LATE AND THEN CHARGE ME LATE FEES AND INTEREST CHARGE AND FINANCE CHARGE. 
LATE FEE XXXX. {$29.00} XXXX {$31.00} XXXX. {$38.00} XXXX. {$38.00} INTEREST CHARGE XXXX. {$2.00} XXXX. {$2.00} XXXX. {$2.00} FINANCE CHARGE {$2.00} I WAS CHARGED ALL THESE FEES WHEN I PAID ON TIME BUT THEY DIDNT RECORD UNTIL PAST DUE DATE. 
I overpaid {$98.00} They paid me back {$94.00} They owe me all the fees above and {$3.00} that I overpaid. 
TOTAL OWED TO ME {$140.00} THEY HAVE CLOSED THIS CASE AND I BELIEVE THEY OWE ME THE ABOVE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : Social Security Number : To Whom It May Concern : I have recently been informed that there is negative information reported by XXXX XXXX  XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing I owe {$360.00} on XX/XX/2021. 

I challenge the accuracy, compliance and reportability of this listing. 

Please validate this information with XXXX XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, GA XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : 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 2021-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 35 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2021-12-02 00:00:00
Product: Credit reporting, credit repair services, 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: NV

Complaint narrative:
Experian/Clarity/XXXX  on XX/XX/21 has XXXX XXXX viewed under soft Inquiries in which it does not make sense nor justified to why so many in one day I have also filed a US attorney complaint to the issue as the DOJ on Experian/ Clarity/ 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 2021-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I HAVE ATTACHED HERE THE REQUIRED Identity Theft Report IN COMPLIANCE TO THE FAIR CREDIT REPORTING ACT SECTION 605 ( b ) .And also all the accounts that need to be removed on my credit report because they're clearly not mine.

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 2021-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I HAVE ATTACHED HERE THE REQUIRED Identity Theft Report IN COMPLIANCE TO THE FAIR CREDIT REPORTING ACT SECTION 605 ( b ) .And also all the accounts that need to be removed on my credit report because they're clearly not mine.

Company response to consumer: Closed with explanation