vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-05 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am writing to bring to your attention an issue with my credit report that I recently discovered. Upon reviewing my credit, I have found several companies listed on my report that I have never had any business with. As I have not given anyone permission to conduct any kind of business on my behalf, it leads me to believe that my identity has been stolen. 

I have attached a list of the companies in question, along with a copy of my identification for verification of my identity. I have also filed a report with the Federal Trade Commission ( FTC ) regarding this identity theft. 

I would greatly appreciate it if this issue could be resolved immediately as it is imperative for me to be in the best possible position to provide for my family. I have taken the necessary steps to report this crime and would like to request your assistance in removing these fraudulent accounts from my credit report. 

Thank you for your time and attention to this matter. 

Sincerely, 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 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently contacted credit bureau about this matter. it seems my installment loan is not reporting to neither one of my credit bureaus.

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 2024-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
I was an active customer on papal for the better part of a year and had not conducted any nefarious activity with my account, I did not break any rules and always complied with any requests that paypal would make that i do at any time. 

on XX/XX/XXXX, out of nowhere, at XXXX XXXX! I get an email that states my paypal account, that has well over {$4000.00} in it is limited. I then am very upset and conserned as they do not give any specifics to why this has happened, or what will happen to my funds in the account. 

I then get another email from paypal stating they are perminently closing my account at XXXX, mind you I am asleep and waking up to this insanely distressing news. Paypal also states in that email my {$4000.00} will be held by them with no interest being added for 180 days to cover any charge backs that may occur on my account. And that i would receive an email after the 180 days about how to receive my funds that were left in the account. 

We are now in XX/XX/XXXX! Paypal has NEVER sent me anyhting about anything! They literally have blocked my email from even resetting my password. essentially I am permenantly blocked and they have stolen my money! I want justice and my money asap! PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 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: Google Compare Credit Cards Inc.
State: FL

Complaint narrative:
On XX/XX/24 I tried to withdraw the funds from my Google Pay balance. 

My Google Pay account is registered under the email : XXXX I was unable to withdraw my full balance because there is a {$10000.00} limit for withdrawals on accounts that are not verified. I went to verify my account and submitted all of the information they requested including my SSN, government name, and address. 

After submitting everything they asked for I got a message saying the following " Your ID verification couldn't be completed ''. 

After this I went to the live chat for Google Pay support and explained the situation to a Google Pay representative. They were not helpful whatsoever and seemed to not even understand what was going on. I asked to speak to a supervisor. The representative confirmed an arranged date and time for me to speak to a supervisor. 

" I appreciate your efforts in providing all the required details. I would like to inform you that I have arranged a call for you at your preferred time. Please be available to have a conversation with our dedicated team to resolve the issue as soon as possible. ". 

The arranged time came and went and I never got a single call from the supervisor. Now here I am over XXXX weeks later XX/XX/24. I have {$2900.00} stuck in my Google Pay balance and they are not letting me withdraw the balance. Furthermore, they have not helped me at all when it comes to verifying my account. I am more than happy to send them my SSN, drivers license, ID, whatever it is that they need. But they have simply not helped at all and are now holding my money XXXX. 

This complaint will be my last attempt to get them to stop holding my money XXXX. If this is not successful I will be forced to take legal action.

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 2024-05-05 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Dear Sir or Madam, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate information every step must be taken to ensure the information reported is completely accurate and correct. 

The following information therefore needs to be re-visited. I respectfully request to be provided proof of these inquiries were in fact authorized with an instrument bearing my signature for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX The listed inquiries were without authorization, and no legitimate business purposes. As such, it is a very serious error in reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last 6 months or the last two years for employment purposes. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX Thank you.

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 2024-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
In summary, I initially applied for a Chase Business preferred card with a spending limit of {$15000.00} to qualify for a generous XXXX welcome bonus. Shortly after, Chase revised the offer, reducing the spending requirement to {$8000.00} within the first 90 days. I reached out to Chase via secure message, requesting a reduction in my spending limit to align with the revised terms, which they approved. 

However, a hiccup arose when a merchant I intended to spend approximately {$200.00} with experienced payment processing issues, resulting in a delayed charge that fell just beyond the 90-day window. Despite my efforts to rectify this with Chase, requesting an exception to include this charge in my spending total, I encountered resistance. Although initially assured that the charge would be accommodated and that I would receive the full XXXX welcome points, this never materialized. 

Despite numerous calls and opened cases with the bank, my requests were repeatedly declined. Each time I sought escalation, I was met with the same response that I had failed to meet the {$15000.00} spending threshold.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 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: CA

Complaint narrative:
in accordance of Fair Credit Reporting act XXXX XXXX account XXXX XXXX  XXXX is in violation of 15 U.S.C. 1681

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 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I received a late payment & not sure why. I made XXXX recent payment on XXXX XXXX XXXX. I never was notified by Wells Fargo either on a missed payment. Im asking this late payment to be taken off 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 monetary relief
Consumer complaint received 2024-05-05 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: PR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-05 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: World Acceptance Corporation
State: GA

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 name : World Finance XXXX XXXXXXXX #, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX XXXX ; Account Name : XXXX XXXX XXXX # XXXX has violated my rights. Please remove all these accounts from all 3 Credit Bureaus.

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 response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 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: TX

Complaint narrative:
I been going through my credit report from Experian, and i notice something are incomplete and inaccurate and also old account that have more than 5 years in the credit report that should be removed. i sent a letter to Experian XXXX of XXXX, asking then to investigate the completeness and accuracy. i receive a letter from Experian but they have didn't do nothing about it. therefore breaking the law. 

according to 15 USC 1681e ( b ) states that ( b ) Accuracy of report 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.

according to 15 USC 1681i ( 5 ) states that ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or 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 modified or deleted from the file of the consumer.

according to 15 USC 1681s-2 states that ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

all i want is that this inaccuracy account be delete.

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 2024-05-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Ok I have capital one and check my credit. I have a alert that tells me my social security card is compromised on dark web when I click on it it gives me a name of someone with my last name with a phone number from Michigan?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, GA XXXX Email : XXXX To Whom It May Concern, 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. 
XXXX XXXX XXXX : Acct # ending XXXX, XXXX : Acct # ending XXXX, XXXX, and any late payments from merchants have violated my rights. XXXX - XXXX XXXX XXXX  XXXX Balance - {$5.00}, this is incorrect. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 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 seven 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. 
why correct the information that I outlined and then not raise my credit score because I purposely targeted. 

The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system and unfair credit reporting methods, undermine the public confidence which is essential to the continued functioning of the banking system. Inaccurate credit reporting can ruin XXXX  citizens, lives and their livelihoods. 
the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system and unfair credit reporting methods, undermine the public confidence which is essential to the continued functioning of the banking system. Inaccurate credit reporting can ruin XXXX  citizens, lives and their lively hood. 
Please delete and remove all closed accounts, late payments and loan accounts, that aren't valid from my credit report. 

Best, XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX, GA XXXX Email : XXXX To Whom It May Concern, 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. 
XXXX  XXXX XXXX : Acct # ending XXXX, XXXX : Acct # ending XXXX, XXXX, and any late payments from merchants have violated my rights. XXXX - XXXX XXXX  XXXX  XXXX Balance - {$5.00}, this is incorrect. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 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 seven 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.

why correct the information that I outlined and then not raise my credit score because I purposely targeted.

The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system and unfair credit reporting methods, undermine the public confidence which is essential to the continued functioning of the banking system. Inaccurate credit reporting can ruin XXXX citizens, lives and their livelihoods.

the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system and unfair credit reporting methods, undermine the public confidence which is essential to the continued functioning of the banking system. Inaccurate credit reporting can ruin XXXX  citizens, lives and their lively hood.

Please delete and remove all closed accounts, late payments and loan accounts, that aren't valid from my credit report. 

Best, 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 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently contacted credit bureau about this matter. it seems my installment loan is not reporting to neither one of my credit bureaus.

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 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently contacted credit bureau about this matter. it seems my installment loan is not reporting to neither one of my credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 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: PA

Complaint narrative:
Dear Sir or Madam, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate information every step must be taken to ensure the information reported is completely accurate and correct. 

The following information therefore needs to be re-visited. I respectfully request to be provided proof of these inquiries were in fact authorized with an instrument bearing my signature for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX The listed inquiries were without authorization, and no legitimate business purposes. As such, it is a very serious error in reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last 6 months or the last two years for employment purposes. 

XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Thank you.

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