vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-11 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: LEXISNEXIS
State: GA

Complaint narrative:
To whom it may concern. My name is XXXX XXXX. Im writing you because an entry appears on my credit report that states I filed a Bankruptcy in your district. Could you please explain to me how this might occur, because to my understanding only the last 4 digits of the debtor social security numbers are released pursuit to rule 9037. Any information you could provide would be greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: HI

Complaint narrative:
I opened a new business checking account with U.S. Bank on XX/XX/2023 ( see confirmation email ). They were running a promotion for up to {$750.00} for depositing {$15000.00} within 30 days and holding it in the account for 60 days ( see attached promotional screenshot ). 

I funded my new account with {$100.00} ( see attached bank info for XX/XX/2023 ), but could not access the funds or account until I received my debit card in the mail. After 10 business days, I still had not received any way to access my account or a debit card in the mail which I was told was the only way to set up my account in an area where there are no nearby branches. I live in XXXX, Hawaii, and there are not U. S. bank branch locations on island. I spent over 6 hours with customer service over the phone over the last few weeks to determine whether or not the debit card and new account information was mailed over. I was assured by one representative that it as being sent but have not received it. In the last 10 days I made two calls to customer service and was told that I would receive a call-back from a supervisor but I still have not received any contact from the bank. 

It is now XX/XX/XXXX and the 30-day deadline to deposit new funds as elapsed. They also have my {$100.00} opening deposit and I have no way to access those funds.

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 2023-07-11 00:00:00
Product: Credit card or prepaid 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: Chime Financial Inc
State: TX

Complaint narrative:
In XXXX of this year I had my social security money deposited into Chime an online bank. When the money was posted tomy account t was almost immediately taken along with the 4 dollars i had in the account..I immediately called Chime customer service and tried to get them to stop the transaction they refused. total amount taken was XXXX  all the money i had to live on. I filed a dispute with them after waiting almost 90 days the told me the transaction was legitimate and they weren't going to return anything. I.ve tried everything to get them to reverse this rediculous decision to no avail. i have filed a police report I have contacted the Federal Trade Commission and the Social Security Administration about this matter. I asked Chime to send me all the documents they usaed to come to this conclusion the only thing I received was a statement of the activity on the account. I don't see anything that pretains to any sort of investigation. this has caused me tremendous financial hardship

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
PayPal makes my balance negative for a fraud claim. I sent my documents and called them several times about 10 times to fix the problem because they made the action without my permission and they told me they fixed it but they never fixed it. They recognized that the claim from the account is fraudulent but they didnt resolve the problem. The PayPal customer service is not responsive and they made my balance negative also they charged me for the action. I asked for refund and its about 1 and half months that they said they would refund my balance with the amount.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11 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: TX

Complaint narrative:
Based on 1.5 U.S code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from and alleged Identity theft not later that 4 business days after the date of receipt It has bee 30 days and you are in VIOLATION of this law because I am a victim of identity theft! please delete delete these items as soon as possible These accounts should not be furnished on my consumer report as they are in violation! Under, 15 U.S Code 1681b - Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other; ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer NO CONSENT IS IDENTITY THEFT as a consumer I am demanding the deletion of the accounts listed IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc
State: MI

Complaint narrative:
Received emails about new account opening followed by email about change of phone number from site XXXX  Called XXXX  to close the unauthorized use of my identity to open the account. 
Chime closed the account and sent me email confirmation of account being closed and reporting of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 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: WA

Complaint narrative:
I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX AND I WON'T ALOW IT.

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 2023-07-11 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been trying to dispute incorrect items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11 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: CA

Complaint narrative:
Im have not applied, nor signed or authorized or opened any XXXX Account. I have disputed this fraudulent account # XXXX with XXXX via mail and have not heard any feedback from XXXX. I have asked XXXX for the application filed, any documents of transactions related to this account, the address, references and the forged signature on file. XXXX did not send any documents and did not respond to my mail in dispute. My personal info was taken when my vehicle was stolen with my wallet & laptop were inside. A police report was filed in XXXX XXXX. Ive also made a report with IdentityTheft.gov reference # XXXX. XXXX continues to report this fraudulent account on 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 2023-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I have consistently made timely payments without any instances of being late. It is completely unacceptable to observe late payments on my account, and I strongly urge you to rectify this error without any delay.

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 2023-07-11 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: MS

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
recenttly i looked at my credit report and noticed several fraudently inquries .i feel these inquries are adversley affecting my credit report it is my understanding that you would investigate these items for me to ensure accurcy here are the items XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXXXXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXXXXXX XXXX XXXX on XXXX XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX XXXXXXXX XXXX XXXX  on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
XXXX, XXXX and Experian credit reporting agencies, only respond that there is nothing they can do. XXXX sent me a letter and did not even allow me to provide them with identification. They just sent me a letter saying we can not verify your identity. The XXXX credit reporting agencies are doing nothing at all. Someone needs to follow up on what they are really doing about my reports. I have also been breached by XXXX XXXX XXXX, and they have resolved nothing for me. My credit report has been ruined by them. And they could care less what damge they have inflicted on my credit report. They all three agencies do nothing but keep taking false information on my credit reports. And do not verify anything. I can do nothing. I have disputed these items many times to these agencies over 10 years and nothing has happened. I really need help. I have been ruined by these agencies. And XXXX has destroyed my credit file, because they leaked out information of all my personal credit to others. And there is great damage that has been done. And all three agencies ignore my complaints and trying to resolve the false and negative items on my credit file. And when I get any report it is not complete, by no means. I feel the XXXX credit reporting should be held responsible according to the lawsuit. And I am XXXX that was part of it. If there is anything that you can do to resolve this. My life has been ruined because of the outdated and old and false reporting on my credit file. I am just asking please help me with the credit reporting agencies and there assumed false reports against me. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Credit reporting, credit repair services, 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:
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 reflect properly 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 of the creditor on a statement.

As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error.

The items below should all be updated to paid as agreed on my consumer report.
1. This is a billing error under US Code Law 1666B. As a consumer by law these accounts on this letter must be updated or deleted immediately XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. This is a billing error under US Code Law 1666B. As a consumer by law these accounts on this letter must be updated or deleted immediately XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under XXXX XXXX XXXX civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, Better Business Bureau, and Federal Trade Commission ). 
Sincerely, 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 2023-07-11 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Transunion is using stall tactics so that they do not have to investigate my dispute. I've already assured them that I am a victim of fraud and therefore it is myself disputing such things off of my credit report. A identity theft report has been filed months ago.

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 2023-07-11 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX Account number : XXXX - IDENTITY THEFT 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 of 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 explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LoanCare, LLC
State: NJ

Complaint narrative:
Hi Sir/ Madam, This is to inform you that my Debt collector - " myloancare.com '' incorrectly reported delinquency on my account XXXX. The entire debt was paid in full on XX/XX/2023 with the remaining payment of {$47000.00} and calls were made to ensure that the payments were received by the debt servicer. The customer care XXXX confirmed over the phone call that they have received the payment and the lien release letters would be issued soon. I followed with another call after a month and I was advised that I would be given the letters soon however my account was report delinquent on XXXX and my credit score was impacted hugely because of that. I am in the middle putting an offer on a new home and I might be losing the house because of this issue. I tried calling the loan servicer and was assured to get this sorted and I would get a call back. I've called them multiple times now and there is no response from them. Could you please help me out in the situation. This is affecting my credit score, affecting me getting a new loan and needs to be rectified 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 explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I currently have an account with Synchrony Bank, which includes an online savings account and two CDs. The issue is gaining access to the Secure Inbox on my account. There are currently seven ( 7 ) unread messages but I can't get to any of them, and keep seeing an error message stating " something went wrong ; try again ''. We have already determined that this is NOT something on my end. I've tried multiple computers, browsers, and android apps on various devices. There is a problem on their end and they can't seem to fix it. This has been going on for months. I've been trying to be patient but this is beyond ridiculous. I can't get any messages that would warn me about any potential problems with my account, fees, fraud, etc., because I can't read the content on any of these messages. This has been going on since at least XXXX of 2023 and there still is no resolution. And they refuse to alert me in any other way because I have told them very clearly that I am UNABLE to access the Secure Inbox online.

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 2023-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have done several disputes with the 3 credit bureaus to get old closed accounts permanently removed from my credit reports. There are old accounts that have have been closed for over 8 years that are still showing on 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 2023-07-11 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have inquiries on my credit report that are not mine

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 2023-07-11 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Transunion is using stall tactics so that they do not have to investigate my disputes which is a violation under the FCRA. They are suggesting that I am not the person sending in my disputes. Which I've already assured them that it is myself who are disputing such matters especially after become a victim of fraud and filing a identity theft report months ago.

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 2023-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS
State: GA

Complaint narrative:
I have notified Lexis Nexis several times in writing and XXXX the telephone about this matter they are lying they are a big liar I don't have any bankruptcy I have disputed items that's on my credit report there's names that's on my credit report that does not belong to me there's so security number that's on my credit report that does not belong to me and there's address that on my credit report that does not belong to me and I have contacted Lexis Nexis several times about this matter When Lexis Nexis advise saying they contact me through email that's not correct at all never received a respond from Lexis nexis at all not from no email those are lies

Company response to consumer: Closed with explanation