vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
Im filing this complaint against Chase Bank. On XXXX, I used my debit card at XXXX XXXX The amount for their services was {$6.00}. However upon using my debit card the laundromat debited {$20.00} on XXXX. I inquired about the {$20.00} from the laundromat assistant, and was told that the {$14.00} would drop off at XXXX XXXX on Tuesday, XXXX and I would only be charged the {$6.00}. I phoned Chase on XXXX, and was told that the {$20.00} was in a pending status and if I wanted to dispute it I could with the claim department. I explained to the representative what the assistant told me. I also saw that the {$20.00} was in a pending status when I looked online via my XXXXXXXX XXXX. Even though I was told that the {$14.00} would be credited back to my account on XXXX ; that never happened. On today, XXXX, I checked my account and saw that the charge of {$6.00} to XXXX XXXX had posted to my account. However, I was not given credit back to my checking account for the {$14.00}. Upon speaking with a manager by the name of XXXX at XXXX, he informed me that he never saw a pending transaction for {$20.00} that pending on XXXX from the laundromat. I also inquired if they showed where I called Chase on XXXX to inquire on the pending transaction. I was told that they have No Records of pending transactions. How can this be so when Chase debited the {$20.00} on XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: General Motors Financial Company, Inc.
State: IN

Complaint narrative:
Hello XXXXXXXX XXXX XXXX, Gm financial XXXX XXXX XXXX XXXX got my credit report when it was unauthorized on XX/XX/XXXX XXXX XXXX  none of these companies have any information about me so how is it on my credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
A few years ago someone filed federal taxes in my name which now requires me to use an IRS issued identification number to file my taxes. Now, someone has taken out an ample amount of credit in my name, which is beyond frustrating. I noticed this issue when I pulled my credit reports XX/XX/2023. I pulled my credit because Im looking to refinance on my home. I figured to check before applying for a new mortgage loan. I have filed a dispute with XXXX XXXX and XXXX. All of the information ( credit reports, identify Theft Victims Complaint Affidavit, my state identification, and a list of items that are fraudulent ), is attached to this report. These accounts were opened fraudulently by utilizing my personal data. Im highly upset with the level of inaccurate thats being displayed on my good credit. All I do is work and take care of my home, so there was never a need to add any of these credit accounts listed. I wish to have this matter resolved and removed immediately. Ive filed a criminal case with the police department regarding this matter. Documents are attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: FL

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts. 

See the documents attached.

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 2023-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I was scammed and the bank did not protect my money. I have hired a lawyer to help me with this case.

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 2023-04-26 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Since The first week of XX/XX/XXXX, Ive been trying to access the self service site to freeze and unfreeze my credit, like Ive been doing for a few years now! Suddenly I havent been able to access. I gave it a little while because at the time it wasnt an emergency. Fast forward to XXXX  XXXX when I tried accessing again, thinking that everything would be resolved and fixed with their systems and it wasnt! I called and got the run around, they kept asking me for some 6 digit pin that I wouldve set up years ago when I made the accnt ( which I didnt know/remember because when you access the self service system it doesnt ask you for anything but your sign on and password ). OVERLY frustrated and having to be transferred from rep to rep ( no one in the US ) and being gaslight into thinking I was the issue and avoiding my questions of why I couldnt access my own credit freeze OR report, I finally got transferred to someone in technical support, only for him to tell me its an issue on my end ( which it wasnt ). When I advised him that it wasnt my issue he hung up on me! From XXXX until yesterday XX/XX/XXXX between XXXX messages and TEXT to my phone, nothing! Ive never had issues in the past with TransUnion but at this point, theyre causing me undue stress and hardship not being able to allow ME to access my own stuff! They said they had to perform some type of maintenance but was very vague on what! I need my account fixed NOW! Ive been way too patient for them to be doing all of this! Here today still cant access anything! When I tried to use a service that uses soft pulls from XXXX, its stating they cant access it even though I had to manually ask them to lift it! I shouldnt have to call, write or anything to access something everyone else is able to access using their self service site, service.transunion.com. I have the whole text conversations in my XXXX messages saved! I will upload a portion but its too much to add everything. Also the text messages in my phone! This service has been horrible and its unacceptable! 

Fix my account TransUnion before I hire a lawyer!

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 2023-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation
State: LA

Complaint narrative:
I found two requests for a credit report from two different companies on my account. One which I don't recognize, and one from a bank I haven't used in over a decade.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: FL

Complaint narrative:
I am interested In processing disputes on my credit report to delete an report all inaccurate information that needs to be delete to correct my file. ive noticed alot of errors that are hindering my credit report an Needs to be removed asap. please review an delete all items listed to correct the file asap.

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 2023-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE
State: CA

Complaint narrative:
Over a year ago now Charles Schwab restricted access to my account that I use for personal and business where they blocked my online access to my checking account where I have over {$15000.00} in funds. These are proceeds from my XXXX sales account. XXXX XXXX from Charles Schwab personally placed a restriction on the account and none of the bank associates during the 10+ calls was able to assist me resolving the issue and XXXX XXXX does not answer his phone or several emails that I sent him. I need assistance in getting access to my funds and account. 
Checking account number : XXXX Routing number XXXX person responsible for the issue is XXXX XXXX his email is XXXX his direct phone number that he never ever answers is XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
The open dates for are not accurate and the account numbers are invalid. XXXX never represents or corresponds to appropriate account informations. Its been more than 6 months and you have never given me any response to my request to validate the debt and of its origin. I have never given any approval or permission for you to report this account. 

This is a violation of my rights as a consumer. I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and XXXX XXXX Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: AL

Complaint narrative:
In accordance with the Fair Credit XXXX Account # XXXX ( 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: AL

Complaint narrative:
In accordance with the Fair Credit XXXX Account # XXXX ( 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 2 : It also states a consumer reporting agency can not furnish an 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 2023-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
First PORTFOLIO RECOVERY ASSOCIATES LLC has violated 15 U.S. Code 1692c. As demanded in the complaint ( XXXX ) a cease and desist was sent demanded through the complaint. PRA has violated this by sending another letter to me on another alleged account. A Cease and Desist were sent to " PORTFOLIO RECOVERY ASSOCIATES LLC '' as this applies to PRA whole company. My federal rights have been violated. Second as 15 U.S. Code 1692g states this is my response within 30 days and my complaint as said further. 15 U.S. Code 1692C ( A ) states - " Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. I have never given PRA consent to contact me over an alleged debt that was incorrectly owed. At no point in time is a good time to discuss an allegedly incorrect debt. PRA is implying that I have engaged in business with their company. I am requesting a visual signed contract with my signature proving that I have allowed for them to conduct business with me on this alleged account. PRA is in possession of my personal information with I have never given them consent to have. I want to know how they got that information on this alleged debt that is incorrectly owed. This is a violation of 15 U.S. Code 1692b. PRA needs to prove the existence of this alleged account and prove by verification, and " Verification '' is defined in Black Law Dictionary ( 4th ED. ) as " Confirmation of correctness, truth or authenticity by affidavit, oath or deposition ''. PRA shall provide a signed valid contract with these terms included, A Chain Of Assignment showing who has been in possession of this account, and a Sum Certain showing a complete accounting of how this alleged amount was arrived at, monthly statements, cardholder agreement signed, and a full original purchase agreement signed. I expect there will be no further efforts from PRA to collect on this allegedly incorrectly owed debt. If PRA fails to be able to provide this information I expect them to delete this account from their files, and no further efforts to collect on this allegedly incorrectly owed debt will be made. If PRA does not comply with what's demanded and asked for within this complaint I will receive legal counsel and PRA will be held accountable to 15 U.S. Code 1692k. Cease and desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX  Account Number : 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.

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 2023-04-26 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: NC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-26 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: TX

Complaint narrative:
After reviewing my consumer reports I noticed that the bureaus are furnishing negative accounts without any verification or proof of validation of this debt or that you followed all laws and regulations to report. To my knowledge you have not completed a thorough and reasonable investigation of the completeness and accuracy of these accounts listed below, in accordance with 15 U.S.C. 1681 ( i ). 
Account Name : XXXX XXXX XXXX XXXX, Open balance {$440.00} Account Name : XXXX XXXX XXXX XXXX, Open balance {$3500.00} Account Name : XXXX XXXX XXXX XXXX, Open balance {$2500.00} Account Name : XXXX XXXX XXXX XXXX, Open balance {$41000.00} Take Notice. If this matter is not corrected in a timely manner, I have every intention to proceed with the administrative process and hold you all civilly liable as it will be clear you are in violation of 15 U.S.C. 1681 ( e ) ( b ), in regard to my injury. You have 3 days ( 72 ) hrs. to correct the status of my consumer report by removal or a status correction of paid in full of all above mentioned accounts. This is my written direction to you in accordance with 15 U.S.C. 1681b ( a ) ( 2 ). 
ALSO YOU WILL SEE ATTACHED THAT THEY ARE NOT COLLECTING ON THESE DEBTS. 
This is a LEGAL NOTICE and not a letter. 

Best Regards, By : XXXX, UCC 3-402 ( b ) ( 1 ) without recourse/ all rights reserved

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 2023-04-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I always paid on time, and this giving me anxiety, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: FL

Complaint narrative:
See the documents attached. 
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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 2023-04-26 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: CA

Complaint narrative:
Dear Customer Support, I am writing to appeal the permanent limitation on my PayPal account, which I believe was placed in error. My PayPal email address is XXXX. 

First and foremost, I would like to emphasize that I have not violated any of PayPal 's policies. I am a law-abiding citizen who has always used my PayPal account in accordance with the terms and conditions set forth by PayPal. Therefore, I believe that my account has been unjustly limited, and I respectfully request that PayPal re-evaluate my case. 

I would like to ask PayPal to conduct a thorough review of my account and transactions to verify that there have been no violations of PayPal 's policies. I am confident that upon review, it will become clear that there has been no misconduct on my part. If there are any discrepancies or misunderstandings, I would be more than happy to provide additional information or documentation to help clarify any issues. 

Furthermore, I would like to request that my account be restored if possible. I have been a loyal and active PayPal user for many years and rely on the platform for both personal and professional use. Losing access to my account has caused significant inconvenience and distress, and I would be grateful if PayPal could take this into consideration. 

I appreciate your time and consideration in this matter and hope that PayPal will re-evaluate my account and make a decision that is fair and just. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: AL

Complaint narrative:
In accordance with the XXXX XXXX XXXX Account # XXXX ( XXXXXXXX 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 2 : It also states a consumer reporting agency can not furnish an 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 2023-04-26 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: AL

Complaint narrative:
In accordance with the XXXX XXXX XXXX Account # XXXX ( XXXX 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: AL

Complaint narrative:
In accordance with the XXXX XXXX XXXX Account # XXXX ( 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 2 : It also states a consumer reporting agency can not furnish an 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