vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I tried to make and online purchase to XXXX and it was denied. I called the banks 24hr customer service number to ask why I cant use my card And I was hung up on RUDELY after being told I would have to go into the bank branch its self and they will have to resolve the issue. This wasnt the first time I had to go into the branch and verify myself to receive my money. So on Friday XX/XX/year> I went to the XXXX Citi bank branch in XXXX XXXX to figure out what was going on with my account where I was told that my account was going to be closed and I have to wait 60 days to receive my account balance by mail to the address on file. I then went to the XXXX branch at XXXX XXXX XXXX XXXX XXXX where I was told over the phone my funds could be expedited to me at the branch. Then after nearly XXXX hours of waiting for a XXXX at Citi bank XXXX XXXX XXXX I was told I have to go to XXXX XXXX XXXX because the XXXX branch didnt have a bank supervisor to complete the Transaction and when I got there to ask for XXXX the bank supervisor for XXXX XXXX XXXX XXXX At this point I sat with a banker and he made a call to XXXX which they said I have to wait XXXX days to receive a check for my balance in the mail. After that I called an spoke with XXXX where she spoke to the banker and told him he should go ahead and release my funds to me and he said he wont do it until XXXX gives him the ok. XXXX XXXX the bank to give XXXX a call while she was on the phone an we sat there for over XXXX minutes an XXXX still did not pick up and the banker told me the bank was closing that I should come back on Monday to resolve this. Im not able to get access to my funds the app wont allow me in and the customer service representatives are giving me the run around

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 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: PA

Complaint narrative:
There are charge off accounts that are being reported on my consumer reports that are in violation of the fair credit reporting act as the reported information is inaccurate, incomplete, and unverifiable. See attached. I demand that these accounts are deleted promptly as stated in section 611 of the FCRA

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In XXXX and XXXX I submitted a request for verifying my personal information and provided my correct personal identifying information. In return, the necessary changes were not made to my XXXX and Transunion credit accounts. In fact, additional information was added regarding employment histories and an address in which are reported inaccurately and incorrectly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
Venmo XXXX XX/XX/year> Venmo place the funds in my account {$45.00} on hold for XXXX days for loss prevention purposes and I'm confused on why the money is being held.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 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: Paypal Holdings, Inc
State: OH

Complaint narrative:
My wife passed away XX/XX/year>. I called, paid, and closed her Paypal Account. After that, Paypal charged her XXXX XXXX XXXX Account {$25.00} for a subscription to their magazine. I closed her account and opened another account under my name. Paypal or someone using their name is trying to call me at home, however, I XXXX ; t answer their phone calls. Tonight they called at XXXX XXXX from the phone number ( XXXX ) XXXX. I truly don't believe, nor does my bank, that these calls are actually coming form Paypal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 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: PA

Complaint narrative:
There are charge off accounts that are being reported on my consumer reports that are in violation of the fair credit reporting act as the reported information is inaccurate, incomplete, and unverifiable. See attached. I demand that these accounts are deleted promptly as stated in section 611 of the FCRA

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 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: PA

Complaint narrative:
There are repossession/charge off accounts that is being reported on my consumer report that I demand are deleted. I believe the reporting of these accounts are incomplete, inaccurate, and unverifiable and pursuant to section 611 ( a ) ( 5 ) I demand that these agencies comply with the FCRA and promptly delete these items as they are damaging my credit rating, credit standing and credit capacity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 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: NY

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-28 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: PA

Complaint narrative:
There are repossession/charge off accounts that is being reported on my consumer report that I demand are deleted. I believe the reporting of these accounts are incomplete, inaccurate, and unverifiable and pursuant to section 611 ( a ) ( 5 ) I demand that these agencies comply with the FCRA and promptly delete these items as they are damaging my credit rating, credit standing and credit capacity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-28 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: PA

Complaint narrative:
There some collection accounts that are being reported on my consumer reports that I had no prior knowledge of. These agencies did not give me any notification and decided to report this alleged information on my consumer reports without verifying the debt with me, the consumer first. This violates both the FDCPA and the FCRA. Pursuant to section 809 ( c ) of the FDCPA, failure to dispute the validity of the debt can not be construed as admission of liability. I demand that these accounts are 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 2024-07-28 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: NY

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-28 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: MD

Complaint narrative:
As per TransUnion report to the general public I am writing to formally dispute a significant and unexpected change in my credit score. On XX/XX/year>, I received an alert from my XXXX XXXX bank account indicating that my score increased by XXXX points, changing from XXXX to XXXX, a change of XXXX points. However, on XX/XX/year>, my score was updated with my employer 's information, incorrectly spelled as " XXXX XXXX XXXX XXXXXXXX XXXX '' and saved as new without my confirmation. Then, on XX/XX/year>, another alert indicated that my score decreased by XXXX points, with the old score listed as XXXX and the new score as XXXX, a change of XXXX points. These discrepancies in my credit score and the associated information appear fraudulent and suggest possible identity theft. 

Additionally, this significant update coincided with the commencement of my fourth round of disputes with XXXX XXXX XXXX, an entity unknown to me. The timing and nature of these changes severely undermine the accuracy and reliability of my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), Public Law 91-506, Title IV, Section 611, Subsection 1-D, I request the following : The names and business addresses of each individual with whom you verified and validated the disputed information.

An updated copy of my credit report after completing your investigation.

Moreover, according to the FCRA, Section 611, Subsection ( 5 ), Treatment of Inaccurate or Unverifiable Information : ( A ) In General. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by the consumer, an item of information is found to be inaccurate, incomplete, or can not be verified, the consumer reporting agency shall : ( i ) Promptly delete that item of information from the file of the consumer or modify that item of information as appropriate, based on the results of the reinvestigation; and ( ii ) Promptly notify the furnisher of that information that the information has been updated or deleted. 

I expect prompt action on this matter to rectify the inaccuracies and prevent further damage to my credit profile. Failure to address this promptly may compel me to seek further legal remedies to protect my rights. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-28 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account : XXXX XXXX XXXX : # XXXX Account : DEPTEDXXXX : # XXXX Account DEPTEDXXXX  : # XXXX Account : XXXX : # XXXX 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I have already submitted several complaints through XXXX, XXXX, and Transunion and all came back verified but there are still differences in date accounts were open, last reported, and last payment. All three Credit Bereaus can not be right if there are differences amongst the XXXX. 
XXXX also failed to update credit report to reflect settlement payment arrangement made in XXXX. 
Department of XXXX XXXX different dates in which account was open across XXXX, Transunion, and XXXX. In addition some of the payments listed late was during a forbearance period. 

XXXX agreed to " pay to delete ''. Since I paid the balance owed to XXXX, under the pay to delete agreement, account should've been fully deleted from credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-28 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account : XXXX XXXX XXXX : # XXXX Account : DEPTEDXXXX : # XXXX Account DEPTEDXXXX XXXX XXXX XXXXXXXX Account : XXXX : # XXXX 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I have already submitted several complaints through XXXX, Experian, and XXXX and all came back verified but there are still differences in date accounts were open, last reported, and last payment. All three Credit Bereaus can not be right if there are differences amongst the XXXX. 
XXXX also failed to update credit report to reflect settlement payment arrangement made in XXXX. 
Department of XXXX XXXX different dates in which account was open across XXXX, XXXX, and Experian. In addition some of the payments listed late was during a forbearance period. 

XXXX agreed to " pay to delete ''. Since I paid the balance owed to XXXX, under the pay to delete agreement, account should've been fully deleted from credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: KY

Complaint narrative:
Daily calls for months. I have no outstanding debts for years and I have a very high credit rating ( XXXX ). Im retired and these people are trying to take advantage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-28 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:
There are some inaccurate late payments being reported on my consumer reports but I don't have any recollection of ever being late on any account nor have I received any written notices from the furnishers stating that they were going to furnish negative information on my consumer reports. Please modify the information on my report to paid as agreed never late pursuant to section 611 of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is my current address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, all of the other addresses you list on my report are wrong. Please remove ALL addresses except for XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX This is my correct phone number XXXX. I would like all other phone numbers to be removed. I have attached my ID with my correct address, please delete any address that does not match this one.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-28 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: TX

Complaint narrative:
This is my current address XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, all of the other addresses you list on my report are wrong. Please remove ALL addresses except for XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX. This is my correct phone number XXXX. I would like all other phone numbers to be removed. I have attached my ID with my correct address, please delete any address that does not match this one.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is my current address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, all of the other addresses you list on my report are wrong. Please remove ALL addresses except for XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. This is my correct phone number XXXX. I would like all other phone numbers to be removed. I have attached my ID with my correct address, please delete any address that does not match this one.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-28 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: NC

Complaint narrative:
I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX In accordance with The fair credit reporting act, Public law 91-506 Title VI section 611, the company will provide the names and businesses of each individual with whom you verified the follow up. Please send me an update of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PENTAGON FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
I deposited XXXX At the XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX  at penfed they close my account in kept my money i never got my money back

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 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: IL

Complaint narrative:
Ive tried fixing a current error on my report with Experian regarding an investigation of a late payment under 15. USC 6802 b Obligations with respect to disclosures of personal information privacy act with the company XXXX in question I never they never gave me the option to opt of having my information released or told me to opt out

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 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:
In Accordance of the Fair Credit reporting act.The account below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Collection Acct Names XXXX XXXX XXXX XXXX Acct # XXXX Has violated my rights. 

15 USC 1681 section 602 A. States I have the right to privacy And according to 15 USC 1681eb they are supposed to ensure this whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 USC 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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