vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-21 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Client Services, Inc.
State: FL

Complaint narrative:
I settled with XXXX  about a XXXXXXXX XXXX XXXX XXXX I started with an amount of XXXX and we made an agreement to settle it for XXXX I made all three payments and the debt is being shown as owed XXXX I called them to ask and they said its been settled but whenever I check my credit it still shows as owed. Im trying to fix my credit and they dont answer their emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 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: EQUIFAX, INC.
State: CT

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and Transunion data breach.

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 2025-02-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than XXXX days before the payment due date.

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 2025-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
Venmo froze my son 's teen account with {$920.00} on XX/XX/year> for 6 months. I started emailing them in XXXX, 2024 for instructions on how to move the money out of his venmo account. First they told me to add a bank account, which was already added. We deleted it added it several times. Then they sent an email saying that we had 24 hours to get the funds out, but a transfer button never appeared on his account allowing a transfer, although one did appear on my account which has no funds in it. Since that time, I have emailed sporadically about how to get the funds out and no one responds to that request. If I email the general support email, I am told to email the account specialist who never answers. Its an unbelievably convoluted system either by design or incompetence or both. I want the ability to transfer the funds out of the venmo account to a bank immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA

Complaint narrative:
I am writing regarding an ongoing issue with my loan account ( XXXX XXXX : XXXX ). Despite my consistent and timely payments over the past months, I have noticed that my credit report inaccurately reflects a late payment. Additionally, I have been charged late fees that are incorrect and should not have been applied. 

Approximately four months ago, due to an internal error, my payments were mistakenly applied to the principal only, and as a result, the payment was not properly recorded. Upon discovering this error, I immediately contacted your customer service team. They reversed the error and reassured me that the issue would be corrected. However, my credit report still reflects a late payment, and I continue to be charged late fees, despite never having missed a payment. 

I have made numerous attempts to have this issue resolved through customer service, but I have not seen any corrective action taken. Given that the delay was a result of an internal error on your part and that I have always paid on time, I respectfully request the following : Immediate removal of any incorrect late payment reports from my credit file related to this issue. 
Refund of any late fees charged due to this error. 
Confirmation that my account is up to date and reflects my timely payments. 
I trust that this matter can be resolved promptly. Please confirm receipt of this letter and provide me with a timeline for resolution. Should you need any additional documentation from my side, I am happy to provide it. 

Thank you for your immediate attention to this matter. I look forward to a timely resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: GA

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

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 2025-02-21 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: VA

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

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 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-02-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over XXXX days since I filed my complaint.

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 2025-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I received a check from regions saying that after reviewing your account we found XXXX or more in of which you were paid in overdraft fee under the circumstances between XX/XX/XXXX to XX/XX/XXXX are we refunding the paid fees as part of recent resolution, I received a check for XXXX I presented it to the bank past the XXXX days and they will not issue the refund it was denied

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 2025-02-21 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: AZ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 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: AZ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I have a Citibank issued credit card that earns airline miles on XXXX since XXXX. I have always used my XXXX XXXX XXXXXXXX ( XXXX  ) XXXX  to receive the Citibank bill and pay it in full every month on time- electronically. For XX/XX/XXXX, Citi made a change to 3rd party XXXX  in that they limited electronic payments to {$1000.00}, meaning my {$2300.00} bill required my bank to issue and mail a paper check, which they did on XX/XX/XXXX. When I got online to look at my Citibank bill to verify charges on XX/XX/XXXX, it said I was past due and they had charged me a late fee and interest totaling {$110.00}. The XXXX bill was due XX/XX/XXXX. My bank representative told that many XXXX customers were running into this issue as Citi initially had a {$750.00} limit, which they changed to {$1000.00} and is now apparently at least {$2000.00} since I experimented with various manual payments later. My banks representative offered to call Citi with me to straighten it out. We made two calls and the Citibank agents refused to speak with us while the XXXX representative was on the call. I called Citibank back and talked to 3 different agents that claimed that Citibank had properly notified of this change and the fault was with my bank mailing the check too late. I was speaking with Citibank 3 weeks after XXXX mailed the check and it still wasnt received. Citibank recommended that I put a stop payment on that check and hand over my personal bank information so they could simply draft my account-bypassing my XXXX. This was the ultimate goal of this policy change : obtaining direct access to be able to draft their customers bank accounts. I refused to let Citi have access to my bank account and paid off my balance using 7 different manual payments on my XXXX. One of those payments was for {$2000.00} and it went through electronically, indicating that Citibank had yet again made a policy change. I wrote to Citibank customer service in South Dakota requesting refund of interest and late fees, but no 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 monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
KINDLY HELP ME. I'M GETTING STRESSED UP EVERY TIME I SEE THESE FRAUDULENT BANKRUPTCY RECORD. I WANT THESE TO BE PERMANENTLY REMOVED OFF MY CREDIT REPORT.

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 2025-02-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Data Mortgage Inc.
State: GA

Complaint narrative:
As Trustee for the XXXX XXXX XXXX and XXXX, I have sent many XXXX XXXX XXXX certified notices to include an affidavit of dispute and notices of error concerning the alleged mortgage and promissory note executed under deception and coercion. 

The corporation known as XXXX Mortgage XXXXXXXX XXXX XXXX has not responded to several inquiries regarding possible XXXX fraud. The estate in question is held in an irrevocable trust from ancestral rights and treaties as an Indigenous individual. 

XXXX Mortgage XXXX XXXX XXXX has refused to respond and forwarded the alleged mortgage to a third-party Debt collector XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX who uses a third-party Mortgage XXXX company known as XXXX XXXX Insurance to trespass on my property with claims of performing field agent occupancy verifications. This is a violation of my privacy, my rights as a private citizen and Indigenous person in an attempt to extort XXXX from my estate through unauthorized securitization of a fraudulent promissory note.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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:
PayPal owns XXXX. I placed 3 online orders with XXXX via their website XX/XX/XXXX. The charges were immediately withdrawn from my XXXX account the same day, the method of payment I used. By XX/XX/XXXX, I still hadn't received any of my orders, so I contacted the USPS regarding the tracking number I was issued, which had my package in XXXX XXXX for a week, followed by a week at a USPS facility in NY. The last update with the tracking had my package at another USPS facility but the location wasn't disclosed. That was XX/XX/XXXX. Being a former mail carrier, I reached out to the USPS regarding the tracking number. It wasn't recognized. Another attempt on tracking my package, showed it was being delivered by DHL despite the last info had my package at a USPS facility. I contacted DHL. The tracking number wasn't recognized : XXXX. At this point, I reached out to XXXX, hoping to get the charges reversed, if I wasn't going to get my orders. I contacted XXXX and initiated 3 disputes ( one for each order ) on XX/XX/XXXX at XXXXXXXX XXXX, EST. By XXXXXXXX XXXX, the lowest 2 charges had been reversed, leaving the highest amount to be reversed. Despite filing a claim with the XXXX AND the Consumer Financial Protection Bureau, XXXX hasn't reversed the charge. Matter of fact, they closed the 3rd dispute. They kept my money. Thieves! They claimed they needed documents when what I shared for the other 2 charges was sufficient enough for those charges to be reversed. I feel bullied by XXXX. I filed a 2nd complaint with the XXXX  against PayPal since PayPal owns XXXX. STILL the charge hasn't been reversed, so that's why I'm filing a complaint against PayPal with the Consumer Financial Protection Bureau. Where else can I go? I can't make them give me back my money! I SO desperately want to close my XXXX account but know if I do so, then they'd definitely keep my money and that's what I think they want and are hoping for. I don't work since I'm XXXX. My family needs the money. Please help! How do these companies get by with bullying people and stealing their money?!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-21 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 had disputed this XXXX account # XXXX in the amount of {$19000.00} back in XXXX of 2024 and was removed because of fraud. I got a notification that this account was reinserted back in my credit report. This is not right, and Equifax has violated my fair credit reporting act rights. I have contacted a consumer lawyer in this matter and Equifax will be sued.

Company response to consumer: Closed with non-monetary relief