vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-14 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: MS

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$550.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX : XXXX XXXX Balance Owed : {$550.00} XXXX XXXX XXXX Balance Owed : {$320.00} XXXX XXXX XXXX XXXX Balance Owed : {$800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$550.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-14 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: TX

Complaint narrative:
I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 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: FL

Complaint narrative:
It was an account on my credit report that was delinquent charged off. I did not have knowledge of the account, but overtime because I could not get the account taken off due to lack of investigation. I went ahead and paid the balance. I have proved that the account is paid in full, but the credit bureau are not changing the derogatory statement. The status of the account is showing Incorrect information, that the account is written off when, in fact, the account should showed as paid off also, I believe that the date of the account is incorrect. Its going on 10 years and the account is still on my credit report. I asked the reporting agency to remove the account and still have not got any help whatsoever.

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 2024-02-14 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: NC

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit 15 U.S. Code 1681 I have received a copy on my consumer reports and I notice you have furnished transactions on my consumer report that is excluded by law as per the FCRA 15 USC 1681a 2Ai.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; A consumers transactions are excluded from the consumer reports. FICO and or any other Risk score or algorithm that you use to calculate a consumers credit score is not a factor where the consumer report is concerned! Definition of what the consumer report means.

consumer report ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
My complaint involves Brightway credit card  ( OneMain Financial ). On XX/XX/year>, XXXX XXXX processed a balance transfer payment in the amount of {$1600.00} to my Brightway credit card ( with an additional transfer fee of {$81.00} ). Since then I have been monitoring my Brightway account for the payment to post and when I noticed today ( XX/XX/year> ) that it still had not posted I called Brightway customer service to inquire about the delay. I was told they would not honor the transfer and was told that instead they would provide me with an APR reduction. I was told that I could make a payment on my own for the same amount but was told they would not allow the balance to be transferred to another card. I advised the agent I wanted to file a formal complaint because I confirmed earlier today with XXXX XXXX that the payment was in fact issued on XX/XX/year> but Brightway has not returned the money. The Brightway agent took my statement and stated that he would file a formal complaint on my behalf. I called back 30 minutes later to inquire about the next steps and was told that all I could do was call back sometime next week. I then called a XXXX agent and was told she would put in a request for a balance transfer recovery but she said she had never heard of a credit card company refusing a payment for a balance transfer. She said she was not sure that they would be able to assist me in recovering the missing XXXX payment. She said she would also request that the {$81.00} balance transfer fee be waived but could not make any promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I selected a Chase offer for a hotel stay that I had upcoming in XXXX and booked a hotel using their card to redeem the Chase offer of a 10 % cash back for the stay. I completed my stay including making the credit card transaction to complete the payment on XX/XX/XXXX. The offer did not expire until XX/XX/XXXX. The payment was pending on my account and it was eventually posted on XX/XX/XXXX. The Chase offer had expired at this time so I called Chase on XX/XX/XXXX to ask about the offer since my transaction was completed on the XXXX, prior to the expiry of the offer. They asked me wait 14 days from the day of the transaction. So, I called again on XX/XX/XXXX since the offer was not redeemed and I was told that it would be escalated to higher level management. Since I did not receive any response and the offer was still not redeemed, I called again on XX/XX/XXXX at which I was told that a physical letter was mailed to me that the offer was not able to redeemed since it was posted after the XXXX even though the transaction date is listed as the XXXX. I have a paperless account with Chase in order to ensure all communications are sent to me via email and I did not receive any notification of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 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.

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX  Balance Owed : {$2300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I recently received an email from Venmo explaining that my account has been suspended. This suspension was done erroneously. I live in the United States and was recently traveling on vacation on a cruise ship. When I went to access my account while I was traveling internationally, I received a message from Venmo saying my account was suspended due to suspicious activity. However, there was no suspicious activity on my account ; I was the person accessing my own account ; and, I was doing so internationally only because I was temporarily traveling on vacation. That was me. I already replied to Venmo 's account suspension email and uploaded my US-government issued driver 's license, which is the additional information that their company requested. Despite this, the company still has not reinstated my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
My information was heisted and this account is fraudulent and does not belong to me. I did not obtain any goods or services from his merchant or authorize the opening of this account. I would like this account to be completely removed from my credit report on all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I filed a dispute for unauthorized inquirys on my credit profile over 30 days ago and still no response from credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 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: GA

Complaint narrative:
TransUnion, XXXX, and XXXX continue to report inaccurate information. My name is XXXX XXXX there should be no other names listed on my consumer report. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX any other address is not mine and is not deliverable by the United States postal service so therefore it should be deleted immediately. Since Transunion, XXXX, and XXXX sell personal information this incorrectly reported information can only be obtained through monetary transactions so who is providing this information as accurate as I have a right to examine it to see if it is correct.

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 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
. This item was deleted and you reinserted them without notifying me 5 days after this account was in violation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 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: GA

Complaint narrative:
Can you update my address and name on my profile.

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 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have been in communication with XXXX XXXX  for several weeks now, about the balance of my account reporting inaccurately on my credit reports in all three credit bureaus, Experian, XXXX, and XXXX, and how it has been negatively impacting my ability to qualify for credit and being detrimental to my quality of life. 

They have refused to communicate effectively with me by phone or by email, and have been trying to put the responsibility off on the credit reporting agencies rather than accurately changing their reporting data. 

Their contact information is as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have closed my accounts with them, and I am asking that their account does not report to my credit report on any of the XXXX bureaus and be removed immediately, please! 

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 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
I have been a good customer for over 10 years with Priceline making every payment in full on every month and never having a delinquent account. Now suddenly while I am out of the country Priceline without warning or notice lowered my credit line by {$800.00}. This is not the first time this company has changed my credit card without notice. About three years ago they tried to cheat me out of reward points by changing the reward program on my card ( again without warning or notice ).

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 2024-02-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nj XXXX XX/XX/2024 Transworld Systems INC XXXX XXXX XXXX XXXX XXXX Re : Dispute of Debt and Request for Validation Dear Sir/Madam, I am writing to dispute the validity of the debt you claim I owe and to request validation of said debt, as well as to inform you that I am revoking all rights for you to communicate with me via email, text, or phone calls, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and relevant regulations, including but not limited to the following laws : 12 CFR 1006.34 ( b ) ( 5 ) ; 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ; 12 CFR 1006 ( d ), and 15 USC 1681-S . 

Firstly, I dispute owing any and all debts to your agency. As per the FDCPA and the aforementioned regulations, I am entitled to request validation of the alleged debt, including documentation establishing the validity of the debt and the right of the collection agency to collect it. Therefore, I request that you provide me with the following documents : Validation of the debt pursuant to 12 CFR 1006.34 ( b ) ( 5 ). 
Any purchase agreement or assignment documentation proving that your agency has the legal authority to collect this alleged debt, as required by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). 
Proof that your agency is licensed and bonded to collect debts in my jurisdiction, as mandated by 12 CFR 1006 ( d ). 
Any additional relevant documentation supporting your claim. 
Please note that failure to provide the requested documentation within the legally prescribed timeframe will result in the presumption that this debt is invalid and unenforceable, and any further attempts to collect on it will be in violation of the FDCPA and other relevant consumer protection laws. 

Furthermore, I am exercising my right to revoke any prior consent I may have given for you to communicate with me via email, text, or phone calls. Henceforth, all communication regarding this matter must be conducted through written correspondence sent to the address provided above. 

I expect your prompt attention to this matter and a timely response within 30 days, as mandated by law. Failure to comply with my requests will result in further action being taken to protect my rights under the FDCPA and other applicable laws. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation