vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-03 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: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 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: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 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: TX

Complaint narrative:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am looking at my current credit report from XX/XX/XXXX, and noticed some public records that are not accurate. And according to the fair credit reporting and 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. The items in question are XXXX XXXX case # XXXX / XXXX XXXX case # XXXX XXXX case # XXXX / XXXX case # XXXX / XXXX case # XXXX / XXXX XXXX case # XXXX also one more thing according to 15 USC 1681s-2. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or have reasonable cause to believe that the information is inacurrate. 

Check attachments below

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
Hello PayPal, I recently processed a transaction with XXXX XXXX, and shortly after, I received a notification stating that my account had been temporarily restricted and there were questions regarding the transaction. 

I made every effort through the resolution center to resolve the restriction, but unfortunately, due to a glitch, I wasn't allowed to complete the steps to appeal in your system, and I had no idea why. 

Anyway, I called your customer service and spoke with the limitations department. While I was on hold, I suddenly received an email stating that my account features had been deactivated. I was quite distressed because my account was newly created, and as such, I hadn't processed any unusual transactions that could lead to these actions. 

Since I can't speak to the same representative again, I'm forced to file this complaint. Please remember, this isn't a complaint but rather a legal way to resolve my issue. 

Also, please note that I used the same documentation to verify my PayPal information on XX/XX/XXXX, and upon reviewing my account documentation, I don't see any issues or discrepancies. If there were any issues with the documentation, I would have been informed on the same day. 

Thank you for your understanding and prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
The capital one bank has failed to do an appropriate investigation on the charge I requested a dispute on, I purchased XXXX different items from the same merchant on a Different days and I asked the charged to be disputed for XXXX of the transaction. The bank said I have received a refund from the merchant and failed to process the claim.The claim I received refund for the charge is false, I received a refund for XXXX of the transaction which is not the one I filed a claim for.The bank has continually failed to investigate unauthorized charges and disputes. I would like CFPB to conduct investigation on the capital one credit resolution department on how they conduct their services.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2024 I sent a third written request regarding inaccurate and unknown things on my credit report. It has been over XXXX days without a response and I feel like I am being bullied after being ignored for so long. 

Section 611 ( a ) states plainly that a failure to investigate these items gives a reason to immediately remove those items from my credit report. 

Please be advised I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding the continued willful and negligent noncompliance. 

Despite XXXX written requests, the unverified items listed on my credit report still remain in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

These companies stated in writing that they have verified that these items are being reported correctly but have provided no proof of the claims after months have went by. 

I demand that these items be removed from my credit report at once.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 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: CA

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE XXXX  DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 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: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX IS CURRENTLY AFFECTING MY CREDIT FILE NEGATIVELY. I HAVE NO INTERNATIONAL MARITIME CONTRACT WITH XXXX XXXX XXXX XXXX XXXX. I HAVE NOT DONE ANY BUSINESS WITH XXXX XXXX XXXX XXXX XXXX. I HAVE NOT EVER AUTHORIZED NOR GAVE PERMISSION TO NATIONAL CREDIT ADJUSTERS TO REPORT ANYTHING ON MY CREDIT FILE. ANY IMPLIED AUTHORIZATION AND/OR PERMISSION GIVEN WETHER WRITTEN, UNWRITTEN, VERBAL, AND/OR NON VERBAL IS EXPRESSLY REVOKED. ALL THE ABOVE IS TRUTH UNDER PENALTIES OF PERJURY. 

XXXX XXXX XXXX BENEFICIARY AUTHORIZED REPRESENTATIVE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Credit Karma, LLC
State: MD

Complaint narrative:
XX/XX/2024 my account was frozen due to someone trying to change my debit card pin and it was not me. They sent me an email to verify who I was using my license and a selfie. Said would take 72 hours. Today is XX/XX/2024 I have sent 2 emails to their legal department and I still have no access to my money. I call and they tell me the department I need doesn't take phone calls and only uses email. I have not been able to pay my rent, my vehicle loan, and all my auto pay bills have been declined. I am getting sick over all this and nobody will help me. My issue is with XXXX Credit Karma

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Freeway Funding, Inc.
State: CA

Complaint narrative:
XXXX and XXXX are allowing Freeway Funding to report debt over a vehicle twice. Freeway funding sold my debt to XXXX XXXX XXXX and both credit reporting agencies refuse to take the {$9000.00} freeway funding in collections account off even with proof that it is the same account. Its illegal to report the same debt multiple times under multiple companies. XXXX said they would fix it and havent, XXXX rep told me they arent responsible for reporting accurate info they only report what creditors tell them to and its not their responsibility to take off duplicate accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: CITIBANK, N.A.
State: MD

Complaint narrative:
I have a CitiBank inquire from XX/XX/year> that I don't recall authorizing. I want this inquire removed from all credit reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: FREEDOM FINANCIAL NETWORK
State: FL

Complaint narrative:
XX/XX/XXXX I signed up with Freedom Debt Solutions to consolidate and eventually eliminate my debts. Over the next couple of years I paid them a ton of money. They claimed to have settled debts on my behalf. On XX/XX/XXXX, I finished with Freedom Debt Solutions. Since then I was sued by a creditor they were supposed to have settled with. So, I emailed them to get a full accounting of how my money was spent and to see if they in fact had paid off those whom they were supposed to. I sent the email on XX/XX/XXXX and again today XX/XX/XXXX because they ignored my request. Their refusal to account for funds and the fact that creditors are now coming after me indicates they may have stolen my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Clark County Collection Service
State: DE

Complaint narrative:
I am writing in response to your recent response regarding the accounts allegedly held by me with XXXX XXXX XXXX and Clark County Collection Service, LLC. I appreciate your efforts in reviewing this matter ; however, I must emphasize that I have never opened a loan with XXXX XXXX XXXX or conducted any business with Clark County Collection Service, LLC. The loan documents and account activity history you have provided do not reflect any transactions or agreements made by me. Furthermore, the assertion that payments were made on these accounts is inaccurate, as I have never authorized or made any payments towards loans that I did not open. The suggestion that fraudulent accounts would typically receive payments is concerning and does not align with the reality of my situation. I am willing to provide a copy of my identification for verification purposes. However, I must reiterate that the accounts in question are not mine, and any identification on file would not match my own. I request that you conduct a thorough investigation into these accounts and take appropriate action to rectify this matter. Specifically, I ask that you remove these erroneous accounts from the credit bureaus and cease any further reporting of disputed information. Thank you for your attention to this matter. I trust that you will handle this dispute with the seriousness and urgency it deserves. Also I have sent the requested identification to XXXX and this account is still not removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have contacted Chase multiple times requesting to stop being sent credit card offers,, and they have ignored my requests. 
The last time I called them,, the rep required me to provide my social security number. I do not have an account with them, so they should not have or need my social security number

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: DOLLAR MUTUAL BANCORP
State: PA

Complaint narrative:
My husband passed away at age XXXX in XXXX from complications of XXXX. In XXXX I had an attorney place a court ordered two signature hold on all of our bank accounts to prevent him from doing something irrational with our retirement accounts. At the time this freeze was placed I was the beneficiary on all accounts. 
On XX/XX/XXXX my husband went to what was then Standard Bank and closed a $ XXXX CD because he was scared money may be lost due to the impending take over of Standard Bank by Dollar Bank. ( We had money in both banks at this time. ) The next day on XX/XX/XXXX, realizing he had made a mistake he went back to Standard bank and put the $ XXXX back into a 10 year CD. However he forgot to designate a beneficiary on this CD paperwork. My husband was soon XXXX  and passed away on XX/XX/XXXX. 
Dollar Bank acquired Standard Bank in XX/XX/XXXX. Dollar Banks manager and the legal department denied having any proof of the XX/XX/XXXX Standard Bank transactions done by my husband. These transactions should have been forbidden because of the court ordered two signature freeze at Standard Bank. Having spoken to a kind woman in Dollars IRA department she recently provided me with a copy of the CD my husband opened at Standard in XX/XX/XXXX. Dollar bank has refused to reinstate me as the beneficiary of the original CD despite my having proof of my original beneficiary status. They are demanding that is should go into an estate for my deceased husband. 
Additionally, despite having proof of my husbands death as well as the Short designating me as the executor, Dollar Bank has refused to unfreeze the original two signature hold I had my attorney place on the accounts when my husband was alive. My husband can not sign documents because he has died! Dollar has not allowed me to do the XXXX  on accounts totaling $ XXXX last year and this year leaving me with large IRS penalties. I have a total of ~ $ XXXX in accounts at low interest rates that I can not touch. I am losing money every day because I can not reinvest that money in higher yield accounts and I can not access the money to pay medical bills. I have had to borrow money. 
Dollar Bank has been uncooperative and hateful leaving me feeling powerless and penniless. I have had to borrow money to hire an attorney to get my own money from this Bank.

Company response to consumer: Closed with explanation