vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-30 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
PAYPAL, INC XXXX XXXX XXXX XXXX XXXX XXXXXXXX THIS COMPANY HAS CONTINUED TO CHARGE ME NUMEROUS OF LATE CHARGES EVEN THOUGH MY PAYMENT WAS RECEIVED BEFORE THE DUE DATE. IN XXXX IS WHEN THIS FIRST STARTED. THEY CALLED ME ABOUT A PAYMENT THAT THEY SAID THEY DIDN'T GET. I CONTACTED MY BANK WHO TOLD ME THAT THIS PAYMENT WAS ALREADY COLLECTED BY PAYPAL INC. MY BANK SENT ME A COPY OF THE FRONT AND THE BACK OF THE CASHIERS CHECK. PAYPAL CHARGED ME LATE FEES IN XXXX AND XX/XX/year>. I JUST RECEIVED MY BILL VIA EMAIL AND THE LATE FEES ARE NOT {$58.00} OVER THE PAYMENT THAT USE TO BE {$110.00}. WHY IS IT TAKING THEM 3 MONTHS TO FIX THIS MISTAKE? 

I FILED A COMPLAINT THROUGH THE BETTER BUSINESS BUREAU WHO SHOWS THEM HAVING XXXX COMPLAINTS FILED AGAINST THEM. XX/XX/year> I ALSO FILED A COMPLAINT WITH THE XXXX  STATE ATTORNEY GENERALS OFFICE. XX/XX/year>

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 2024-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Recovery Management
State: PA

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently. I've tried to resolve these issues with them before. They're violating my rights, and I'm owed {$1000.00} for each violation I mentioned. They need to either pay me or delete these accounts right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: MD

Complaint narrative:
On XX/XX/year>, I was informed by XXXX and Mohela regarding a data breach that compromised my personal information. This breach exposed sensitive data, including my name, Social Security number, loan information, etc. As a result of this breach, my information may have been accessed or used by unauthorized parties, potentially impacting my financial security and credit standing. 

I was notified by e-mail on XX/XX/year> that my data had been compromised in the breach. Since the breach, I have been concerned about the accuracy and integrity of the loan account ( XXXX ) associated with my name, and as a result, I believe that these accounts no longer reflect accurate and secure data. 

Due to the data breach, I am requesting that my student loan account be removed from my credit report until such time that it can be verified as accurate and secure. The compromised data can not be trusted as valid, and its presence on my credit report is causing significant harm to my credit score and financial standing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: SC

Complaint narrative:
I have been trying to removing fraudulent information from my credit reports with the credit bureaus but I haven't had any luck. These accounts do not belong to me and whoever opened these accounts must have had my information somehow the creditors have not provided me with any documentation containing my actual signature so how can it be verified? I have no idea who opened these accounts, could be a family member, I have no idea. But I need them removed immediately, the credit bureaus are violating my rights by keeping them there.

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 2024-12-30 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: PA

Complaint narrative:
I am filing this complaint regarding the failure of XXXX, XXXX, and Equifax to remove fraudulent accounts, unauthorized inquiries, and incorrect personal information from my credit file despite multiple disputes. This negligence violates Section 609 ( a ) ( 1 ) ( A ) of the FCRA [ 15 U.S.C. 1681g ( a ) ( 1 ) ( A ) ], 12 CFR 1006.34 ( b ) ( 5 ), and other applicable laws. 

Fraudulent accounts include : XXXX XXXX XXXX  Open Date : XX/XX/XXXX XXXX  XXXX, Open Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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: OH

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its XXXX XXXX XXXX XXXX XXXX XXXX XXXX  seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2024-12-30 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2024-12-30 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: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: CT

Complaint narrative:
This is my THIRD compliant about PNC with respect to the same issue. Any time I try to transfer money out of my account and into a new account they freeze my access and lock me out of making any transfers at all. 

The first time I files a complaint they told me it was my fault because I requested email alerts and did not respond to the email in a timely fashion ( they sent the email aXXXX XXXX XXXX and locked me out before XXXX XXXX 

The second time they told me it was my fault because i logged in from XXXX which is " outside my home region '' ( it is less than XXXX miles away ). 

This time they immediately locked me out when I logged in from my laptop IN MY HOME! 

They have at no point given me any explanation as to how I can prevent this from happening other than to suggest I call them anytime I leave my home to alert them ( although today they locked my access after log in from home. ) At this point I am simply trying to transfer money OUT of PNC and into a different bank to avoid dealing with them at all but they are making it impossible to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
American Express and myself has been having issues with not disputing charges that I did not make purchases for. Since XXXX to XXXX I have been waiting to resolve this matter. I took out XXXX dollars from my account. The money was extra. It had not been applied to transactions. Because I immediately called them my bill was paid and they sent me my money back. XXXX XXXX had to stop my card because of there miss use of my funds as well. So they put the {$340.00} back into my account and now I have a bill. I did not make these charges they dont exist on my account. Please help me better explain to American Express that I need those charges and now late fees dropped.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2024-12-30 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:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2024-12-30 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:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2024-12-30 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: SC

Complaint narrative:
I have been trying to removing fraudulent information from my credit reports with the credit bureaus but I haven't had any luck. These accounts do not belong to me and whoever opened these accounts must have had my information somehow the creditors have not provided me with any documentation containing my actual signature so how can it be verified? I have no idea who opened these accounts, could be a family member, I have no idea. But I need them removed immediately, the credit bureaus are violating my rights by keeping them there.

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 2024-12-30 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: SC

Complaint narrative:
I have been trying to removing fraudulent information from my credit reports with the credit bureaus but I haven't had any luck. These accounts do not belong to me and whoever opened these accounts must have had my information somehow the creditors have not provided me with any documentation containing my actual signature so how can it be verified? I have no idea who opened these accounts, could be a family member, I have no idea. But I need them removed immediately, the credit bureaus are violating my rights by keeping them there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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:
Someone has used my social to try to open several accounts since 09/08/24 to current from capital one , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: SC

Complaint narrative:
Enclosed within this notice is a list of unauthorized inquiries and attached is an Affidavit of Truth. The following inquiries must be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 
To ensure fair and accurate credit reporting, the Fair Credit Reporting Act ( FRCA ), 15 U.S.C. Section 1681, imposes various requirements on a consumer reporting agency ( CRAs ), such as Experian Information Solutions ( Experian ). Congress designed the FRCA so that consumers could request information in their file and then correct inaccurate or misleading data.

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 2024-12-30 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: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2024-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
i cant use XXXX with my sofi checking account i try to enroll on XXXX on the sofi app many times and for some reason i keep getting this same error message when i try to enroll on XXXX unable to verify identity please try again later and i cant use XXXX with sofi i contacted XXXX directly about this issue and XXXX explained that their is no hold or restriction with my identity and there shouldnt be any issues trying to enroll on XXXX with sofi bank because my email and phone number is available to use with XXXX i was told by XXXX corporate office and i shouldnt be having this problem XXXX explained that this problem is coming from sofi end not from XXXX directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: PA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed items to be blocked and deleted company information from XXXX. 

Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed items to be blocked and deleted company information from XXXX. 

Please delete the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-12-30 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: PA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the failure of the credit bureaus to remove fraudulent accounts, inquiries, addresses, and aliases from my credit report despite multiple disputes. These failures have caused me severe financial and emotional distress. 

The specific violations include : Retaining inaccurate and unauthorized information in violation of FCRA Section 1681e ( b ).

Failure to respond adequately to disputes as required under Section 609 ( a ) ( 1 ) ( A ) of the FCRA.

Negligence in investigating disputes as per 12 CFR 1006.34 ( b ) ( 5 ).

Allowing unauthorized inquiries in violation of 15 U.S.C. 1681b.

Engaging in practices that warrant statutory damages under 15 U.S.C. 1681N. 

Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Aliases : XXXX XXXX, XXXX XXXX, XXXX XXXX. 

This is my third attempt to resolve this matter, and I demand that the CFPB take immediate action to ensure compliance by the credit bureaus. I am prepared to provide all necessary documentation to support my claims.

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