vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-25 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: NY

Complaint narrative:
please remove The fraudulent accounts from my credit report. in accordance with the Fair Credit Reporting Act, the list of accounts has violated my consumer rights to privacy and confidentiality under 15 U.S 1681e ( b ). I have told XXXX XXXX and Equifax to remove the fraudulent accounts. in the list below [ XXXX  XXXX ; Acc # XXXX ] [ XXXX XXXX  Acc # XXXX ] [ XXXX XXXX  Acc # XXXX ] [ XXXX XXXX XXXX Acc # XXXX ] [ XXXX Acc # XXXX ] [ XXXX XXXX Acc # XXXX ] [ XXXX XXXX XXXX  Acc # XXXX ] [ XXXX  XXXX Acc # XXXX ] [ XXXX Acc # XXXX ] [ XXXX XXXX Acc # XXXX ] [ XXXX Acc XXXX ] [ XXXX  Acc # XXXX ]. 

however, they said everything was completed. but everything is incorrect. According to 15 U.S 1681i ( 5 ) and 15 U.S.C.1681i ( 7 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 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: CA

Complaint narrative:
I have been using Venmo for about 3 years. Starting in XXXX of XXXX I requested a new debit card which I have yet to receive. I would just transfer the money to my linked bank account and that was fine. In XXXX I received a new debit card number from my linked bank account and so I attempted to replace the card in my Venmo account. I kept getting an error message. Since I no longer have a card on file I can't transfer my money. I've tried other ways and keep getting error messages. I notified Venmo. Since XXXX XXXX I have not been able to access the funds in my Venmo account. On XX/XX/XXXX supposedly a new card was ordered and supposed to arrive by XX/XX/XXXX. Never arrived. On XXXX XXXX my account was then frozen for unusual activity because I tried different ways to access my money. I attempted to buy and transfer crypto which they stopped and so I sold it back but now they're making me wait a week for those funds to review the sake. Altogether though my account is frozen and they asked for identification which I immediately sent. They claimed I had other actions to take so I submitted identification again. Now they are reviewing and want me to wait until the middle of XXXX. This is beyond ridiculous. They can instantly cash a check ( for most people ), instantly move money, etc but when it comes to me and my account I have to wait weeks and months? Not acceptable! I just want my money. I have always received money from the same people, spent at the same places, no irregular events in 3 years. So there's no reason to withhold my money. It's not even a large amount. XXXX $ but I need that money. I depend on it. I just want my money immediately to the bank account that has ALWAYS been linked and im done. Close that Venmo account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: FL

Complaint narrative:
Not too long ago I reviewed my credit report and was sent into a deep XXXX when I saw the accounts that were being misrepresented on my credit report. The bureau is clearly not doing their due diligence to ensure that whatever is being reviewed and reported by them is 100 % accurate and this is taking a huge toll on my personal life and need this fixed so I can get my life back on track.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXXXXXX XXXX XXXXXXXX Balance : {$5000.00} XXXX XXXX Balance : {$980.00} XXXX XXXX Balance : {$4300.00} XXXX  XXXX XXXX Balance : {$750.00} XXXX XXXXXXXX XXXX Balance : {$2000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
The credit reporting agency has published false personal information about me. My full name is being reporting wrong as well as my address.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
We recently established Private Client relationship with Chase Bank on XX/XX/XXXX Soon after ( don't know if was coincidence or because of establishing Private Client Relationship ), we received offer for My Chase Plan/ no fees for the first plan set up for purchase on credit card accounts by XX/XX/XXXX Made charge of {$16000.00} on XX/XX/XXXX using our Marriott Bonvoy Card Once charge was no longer pending, attempted to utilize My Chase Plan offer ; noticed fees included in My Chase Plan offer. 

Called customer service on or around XX/XX/XXXX for in attempt to resolve ; customer service was unable to resolve & said issue would be escalated & we would receive answer in mail Answer in mail basically said offer could not be located or found and there was nothing that could be done to honor the offer I called customer service again with no resolution ; customer service suggested sending a secure message through our website login to resolve I sent multiple emails beginning in XX/XX/XXXX as a secure message including screenshots showing the offers we were receiving ; response was same/ similar conversation w/ customer service & response letter I reached out to my personal Private Client banker at the XXXX, CA XXXX XXXX on XX/XX/XXXX to express my frustration with the response to my issue. I sent her emails with the same information I had sent through secure messages. She said she attempted to find a resolution but was unable to. She said my problem had been escalated but to date not have not received any response I continue to receive offers of no fees for first My Chase Plan set up, now before XX/XX/XXXX. Offer is still not honored when attempt to set up My Chase Plan ( fees appear ) We would not have utilized this credit card or made the charge of {$16000.00} if the My Chase Plan offer had not been present

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The state of my credit report is profoundly concerning, and my dissatisfaction is comprehensive. It is not just highly embarrassing ; it is evident that either you or the company bears responsibility for reporting this inaccurate information.I AM NEVER LATE IN THIS ACCOUNTS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This inquiry was conducted by the creditor without my consent, and it must be promptly expunged.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This inquiry was conducted by the creditor without my consent, and it must be promptly expunged.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 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: Self Financial Inc.
State: TX

Complaint narrative:
I did not authorize the following accounts. Please see the attached data breach ID claim and credit report and remove these accounts from my credit report : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. Please note that the first account is reporting 2 different account numbers ( XXXX and XXXX ) which is a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
An ACH transfer was processed in the amount of XXXX} on the following dates : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX & XXXX, XXXX in total. My bank will only allow us to dispute three of the nine and told us we would have to contact the other financial institution for the other six. They gave us a phone number and we were left to call. When we called the other institution we were asked for an account number but since we did not do business with them they stated they would not be able to assist in any way. This is a reoccurring charge that we are not able to stop without some type of assistance from someone.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: DE

Complaint narrative:
Hi, All XXXXXXXX XXXX XXXXXXXX I received communications from Mohela that the pandemic was ending and my payment was coming due. I received information that my first payment was due XX/XX/XXXX. Therefore I paid it XX/XX/XXXX. I continued making payments before the XXXX of every month. After making my payments I received information that Mohela was placing my account on a forebeafance and I did not need to make a payment from XXXX XXXX XXXX, however due to the conflicting information I still made payments, its no way to get in touch with Mohela so I was under the impression I had to make my payments. I did not have the money to make those payments but I did so l, because of the confusion I received from Mohela. Therefore, I am asking Mohela to credit those months to XXXX XXXX XXXX This will credit me back for the months that I made a payment where one wasnt due, Mohela is extremely hard to get in contact with and every time I call their representatives give me the wrong information. I want this resolved asap because this is fraudulent practice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
The state of my credit report is profoundly troubling, and my dissatisfaction runs deep. It's not just highly embarrassing ; it's clear that either you or the company is accountable for reporting this inaccurate information. I have never been lateI consistently make timely payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 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:
This is not a duplicate complaint. This is in response to complaint # XXXX, XXXX, and XXXX. 

I am writing to express my deep concern regarding significant violations of the Fair Credit Reporting Act ( FCRA ) by Equifax, XXXX XXXX, and XXXX. These violations are specifically related to the substantial delays in rectifying inaccuracies on my credit reports managed by these agencies. Notably, these delays are a direct infringement of my privacy rights as outlined under 15 USC 1681, section 602. This section of the FCRA is pivotal in ensuring the protection of my personal information, yet these agencies have failed in this regard. 

Moreover, the severity of this issue is further underscored by the provisions of 15 USC 1681, section 604a ( 2 ), which mandates the strict safeguarding of consumer privacy. This blatant disregard for consumer privacy by these credit reporting agencies is unacceptable. 

Additionally, there are concerns regarding the reporting of late payments. As per 15 USC 1666b, a creditor should not report a payment as late for any purpose in a credit card account under an open-end consumer credit plan without proper justification. In my case, these agencies have reported late payments in contravention of this statute, and despite my clear written instructions under an open-end consumer credit plan. This is securities fraud. 

I am profoundly disappointed by the lack of urgent action taken by these credit reporting agencies concerning these errors on my credit reports. I urgently request that XXXX, Equifax, and XXXX XXXX prioritize this dispute, undertake a comprehensive investigation, and ensure validation and prompt correction of my credit reports. 

In conclusion, I am relying on your immediate and decisive action to resolve this matter. Such action is not only anticipated but greatly appreciated, given the gravity of these issues and their impact on my financial wellbeing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: FL

Complaint narrative:
This is not a duplicate complaint. This is in response to complaint # XXXX, XXXX, and XXXX. 

I am writing to express my deep concern regarding significant violations of the Fair Credit Reporting Act ( FCRA ) by XXXX, XXXX XXXX, and Experian. These violations are specifically related to the substantial delays in rectifying inaccuracies on my credit reports managed by these agencies. Notably, these delays are a direct infringement of my privacy rights as outlined under 15 USC 1681, section 602. This section of the FCRA is pivotal in ensuring the protection of my personal information, yet these agencies have failed in this regard. 

Moreover, the severity of this issue is further underscored by the provisions of 15 USC 1681, section 604a ( 2 ), which mandates the strict safeguarding of consumer privacy. This blatant disregard for consumer privacy by these credit reporting agencies is unacceptable. 

Additionally, there are concerns regarding the reporting of late payments. As per 15 USC 1666b, a creditor should not report a payment as late for any purpose in a credit card account under an open-end consumer credit plan without proper justification. In my case, these agencies have reported late payments in contravention of this statute, and despite my clear written instructions under an open-end consumer credit plan. This is securities fraud. 

I am profoundly disappointed by the lack of urgent action taken by these credit reporting agencies concerning these errors on my credit reports. I urgently request that Experian, XXXX, and XXXX XXXX prioritize this dispute, undertake a comprehensive investigation, and ensure validation and prompt correction of my credit reports. 

In conclusion, I am relying on your immediate and decisive action to resolve this matter. Such action is not only anticipated but greatly appreciated, given the gravity of these issues and their impact on my financial wellbeing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings
State: GA

Complaint narrative:
Wanted to negotiate the balance to dispute the account. Rude employees who did not want to connect me to manager to resolve this debt. Stated they were not at fault for never sending a letter and the fact I had not received one but they had verified my address. Threatened to seek legal action and transferred me to voicemail initially when I stated I did not have the funds available to pay. Notified me I only had 24 hours to make the payment or the settlement option would be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: GA

Complaint narrative:
XX/XX/XXXX Dear Consumer Financial Protection Bureau, I XXXX XXXX, as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. I am writing to express my continued concern regarding the issue related to my credit report. As of the date of this letter, I have not received any response from XXXX, Transunion, XXXX, XXXX XXXX  or XXXX XXXX XXXX the consumer reporting agencies in question, in reference to my initial complaint letter. In my original complaint letter, My concern and dissatisfaction with XXXX 's, Transunion, XXXX, XXXX XXXX and XXXX XXXX XXXX reporting of my transaction history, including late or missed payments, which I firmly believe is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974. Please update my accounts to PAID AS AGREED. Also, I am requesting compensation of {$1000.00} per every violation. According to the Fair Credit Reporting Act 15 USC 1681 section 602 as states : Permissible purposes of consumer reports, you can not report transaction history. " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, Transunion, XXXX, XXXX XXXX  or XXXX XXXX XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of that customer nonpublic personal information. 

Best Regards, XXXX XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: IN

Complaint narrative:
I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. Kindly investigate my claim in accordance with the Fair Credit Reporting Act.I request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation