vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX and Transunion has continue to report a bankruptcy on my report that is incorrect and should not be there because this bankruptcy was filed fraudulently and we never authorized or signed any documents to file bankruptcy on our behalf. This has caused severe damage to our credit profile and prevented us from getting business loans and is hurting our growth potential.

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 2022-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/2022, I made a payment on my Chase credit card XXXX through another financial institution in the amount of {$1700.00}. On XX/XX/2022 I check my Chase account because I received a notification that my payment was received but when I check my available credit it says {$0.00}. I called Chase 4 times on XX/XX/2022 and inquired how there was no available credit when I made a payment. Two reps were extremely rude and disconnected the line prematurely and the other two reps did not offer to credit my account even though Chase already received the funds from my financial institution. As of right now, I do not have access to the {$1700.00} AT ALL. Chase has robbed me and is holding my money hostage. I will not accept this level of discrimination according to 15 USC 1691.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
In XXXX, I had two late payments. During the COVID era I lost work and was unable to make these two payments. I have since made all payments on time. I am seeking to have these two payments removed from my credit card account.

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 2022-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. 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 non-monetary relief
Consumer complaint received 2022-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. 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 non-monetary relief
Consumer complaint received 2022-11-02 00:00:00
Product: Credit reporting, credit repair services, 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:
There were accounts in my report that does not belong to me, I do not know how they verified it but they did not provide me anything. I sent the letters on XX/XX/2022 and util now I did not receive any response.

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 2022-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There were accounts in my report that does not belong to me, I do not know how they verified it but they did not provide me anything. I sent the letters on XX/XX/2022 and util now I did not receive any response.

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 2022-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
I recently filed a complaint with the CFPB informing them that the credit reporting agencies are reporting inaccurate information. Within that complaint I mentioned that XXXX XXXX XXXX XXXX and XXXX XXXX XXXX were reporting a couple of late payments for the months that I paid on time. I should not have any late payments with either company. I requested for the companies to be contacted and made aware of these errors so that they can correct and update the payment history. Somehow, in the midst of doing so, these accounts were deleted form my credit reports. I specifically typed in my complaint " please do not delete these accounts ''. By these accounts being deleted, my credit score dropped, and the length of my credit history has shortened. I have be unable to obtain new credit. Reading is fundamental, and due to the someone's mistake, I would like for XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX begin furnishing information onto my credit report again, as long as they fix the errors. Here are the corrections that need to be made. XXXX XXXX XXXX XXXX. I have written this creditor and have not received a response. XXXX of XXXX *Shows 30 days late, but I paid on time. XXXX of XXXX * Shows 30 days late, but I paid on time. This creditor is also reporting two months of unknown payment history for months that I paid on time ; XXXX of XXXX *Shows unknown, but I paid on time. XXXX of XXXX *Shows unknown, but I paid on time. Please have the creditor correct the payment history of as soon as possible. Lastly, XXXX XXXX XXXXXXXX XXXX reporting a late payment for XX/XX/XXXX. I made this payment! The payment status for this account reflects " Paid, was past due 30 days '', please change this to " Paid Satisfactorily '' Thank you so much for your help with this, and please make sure I receive a copy of my consumer report upon completion.

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 2022-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I opened a card with Citi bank ( citi premier card ) on the promotion page which offered XXXX bonus points once I spend XXXX dollars in 3 months. I met those requirements and none of the terms and conditions disqualified me from the promotion. I called Citi bank on XXXX and a supervisor advised me that he saw that I opened it on the promotion page but was going to look into it and call me back within 2 hours. I did not receive a call back. On XXXX I called again and the supervisor I spoke to told me that the back office decides who gets the promotion even though the website shows that the promotion is not limited to a certain population. He could not give me any information or offer me any help.

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 2022-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I tried to dispute several accounts on my file 2 months ago and I did not get proper information and explanation back from the credit bureau. I have wrong previous addresses, several accounts that are not supposed to be late on or charged off and in collections. I am also requesting to Validate several accounts listed in the very detailed letter of explanation enclosed. So please see letter and don't ask for more information as this request is very detailed and complete. You-Transunion are not compliant because of the lack of detailed response my previous dispute asked for and should now delete all information I am disputing because of your failure to be compliant and follow the law. I will pursue litigation if you fail to delete this information outlined in the letter enclosed.

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 2022-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XX/XX/XXXX they said i paid {$100.00} XX/XX/XXXX they said i paid {$100.00} XX/XX/XXXX they said i paid {$100.00} XX/XX/XXXX they said i paid {$100.00} this account has had fraudulent charges made on it going back to XXXX fight to get fixed. 
asked them for records for the charges they wont help. they added fake payments to the account making it look like i used it. then sold to debt collection service. 
I have proof look at uploaded credit report picture the account balance is the same after fake payments and fake dates of payments fraud want this syncb/amazon account remove for inaccurate reporting on my credit report syncb is doing fraud syncb/amazon

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 2022-11-02 00:00:00
Product: Credit reporting, credit repair services, 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 
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

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 2022-11-02 00:00:00
Product: Credit reporting, credit repair services, 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 
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

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 2022-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
XXXX XXXX contacted me from Commenity Bank in reference to a Victorias Secret account I had. Ive experienced hardships from Covid to losing my job and eventually not being able to afford childcare. Ive explained that to a representative previously before my phone was damaged. She stated theyve been trying to contact me for months, but how would that be known to me if my phone isnt operating. She began to get irritated, irate, nasty and quite angry when I repeatedly told her what my current situation is and even threatened me by saying the charges are going to add up and Ill be sued so I just need to pay something or borrow more money. I proceeded to ask her if shed give me the {$20.00} she was demanding and she became unhinged, shouting out obscenities and yelling about how she didnt create this debt. It was just awful. I requested to speak to her manager but she rudely said theyre going to tell you what I just didnt why arent you listening and was placed on hold for what seemed like forever and unfortunately lost my connection. No one of that nature needs to be conversing or communicating with customers or consumers at all. I was then contacted several times from an unknown blocked number which I believe was XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
My Venmo account was frozen on XX/XX/XXXX, I contacted Venmo as soon and this situation happened and they were not able to solve it or explain why this happened. Since XX/XX/XXXX I've been contacting them, they asked me to send pictures of my ID which I did but no fixing has been done so far. All they say is that it takes 7 days to be fixed, but it's been way more than that. I can not access my money since the account is frozen, consequently I can not pay my bills or even buy food.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I spoke to Equifax today in regards to the validation of an account with XXXX XXXX XXXX XXXX and I have the call recorded with the agent, He said the dispute is closed and verified as mine. I requested in my dispute the documents that XXXXXXXX XXXX provide verifying the account, and he said to me that he ( Equifax ) can not send me that documentation from the lender i.e the document that I asked for in my dispute to verify and or validate the debt that they are reporting on my file. which is in violation of the FDCPA, By Equifax not providing this documentation this account should be removed immediately from my file because it has been more than 30 days since filing this second dispute. Also they are not allowing me automated access to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
I will try to summarize ; On the XXXX of XXXX, my friend who was in XXXX at the time of transaction sent the sum of {$5600.00} to my PayPal account, I was supposed to use some of it that day but then I received another note on my PayPal account saying my account access has been temporarily limited and some information is required before I can get back to access my account features. I obliged and submitted my bank statement as it was required. I was supposed to wait a day or a couple. After a few days of not getting a reply I called and spoke to a service representative but he was cold to me and was asking how I knew my childhood friend which was weird to me but then I told him and afterwards, he was quick to tell me that my friend is a criminal and my account was not going to be rectified. Shortly after, I got a note saying I cant use PayPal anymore and that the money on my balance will be held for 180days before I will get an email of how Ill get my money. 
Ive never had this experience but I know for sure this is XXXX. I asked my friend to make contact from her end, and she was told that the payment was made using family/friends so PayPal wont hold on to the payment and that I should contact PayPal. 

Now, Im frustrated but I had to call back again only for a different agent to tell me that my PayPal activity is the reason why Ive been locked out of accessing my money. Asking what PayPal activity exactly but there still is no reasonable answer instead the customer service agent tells me theres nothing he can do and ends the call. Now Im very confused, stressed and tired of this whole drama. 
Can someone explain to me in real sense why I cant have access to my own money which I happen to have LEGALLY on the PayPal platform? Is this a joke? 

Im attaching some screenshots of the service replies and the chat between my friend and an agent just incase it will help in anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
when I log in myequifax I get this message Please give us a call and give this code to the Agent : XXXX  Your Equifax credit report and score are not available at this time due to a technical error. Please call XXXX XXXX at XXXX ( XXXX ). 

I called many times and sent letter XX/XX/2022 and called many times on XX/XX/2022 I called they said they would fix my problem so I can view my credit report and XX/XX/XXXX and they said same thing They will fix in 7 to 10 days. I haven't been able to view my credit since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Credit reporting, credit repair services, 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: SC

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief