vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-20 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: OH

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter.

The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: ME

Complaint narrative:
XX/XX/XXXX : purchased online furniture from XXXX XXXX XXXX in South Carolina. This transaction was completed through PayPal. Apparently, PayPal is linked to PayPal Credit which is actually Syncrony. PayPal Credit paid XXXX XXXX {$2700.00}. 
I waited patiently for my furniture and have filed at least XXXX disputes with PayPal. XXXX XXXX does not have an answering service of any kind. The phone just rings every time I call. XXXX never responds to my emails either. The furnitures delivery was supposed to occur XXXX, XXXX. 
I have reached out to PayPal and Syncrony. 
As of today, XX/XX/XXXX, a manager told me PayPal has nothing to do with PayPal Credit. I felt so helpless. He also mentioned this purchase took place in XXXX XXXX XXXX and this is now XXXX XXXX XXXX. He is not considering that I waited until XX/XX/XXXX and stopped my automatic payments to PayPal and explained to them that I never got the furniture. I have made countless attempts to reach the Merchant, XXXX XXXX and have had numerous conversations with PayPal associates. 
In the month of XXXX my credit score decreased more than XXXX points. Another dispute was started in XXXX XXXX XXXX XXXX. Since then, my credit score improved but my feeling is they are not going to rule in my favor. My last dispute resulted in favor of XXXX XXXX even though I never signed for any furniture. I finally purchased a couch and loveseat locally. This was submitted with other documents to PayPal Credit.

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 2024-03-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
While shopping for XXXX XXXX online on XX/XX/XXXX, I believed I was on the company website and entered my credit card information to purchase shoes. However the transaction was 'declined ' as were several later attempts with other credit cards. I contacted the official XXXX company customer support and was informed I had been shopping on a fraudulent website. I immediately contacted Citibank MasterCard about the fraudulent website and was told to wait and see if any fraud charges occur.

No fraudulent charges appeared until I checked the account on XX/XX/XXXX and discovered ( without notice from Citibank ) XXXX fraud charges for {$19.00} each ( a few for less than {$10.00} ) that total {$9600.00} from XXXX XXXX in XXXX, XXXX posted on XX/XX/XXXX and XXXX. 

I immediately contacted Citibank Fraud Department and I spend an hour with the representative as she registered each transaction as disputed and also sent a new card. I explained the situation and said I did not recognize XXXX XXXX, never ordered anything from them and never received anything from them. 

After XXXX very long phone discussions in XXXX with numerous Citibank representatives we could not obtain further information on the investigation other than 'in process ' and it may take XXXX to XXXX billing cycles to complete. 

On XX/XX/XXXX, I discovered the investigation had concluded with no fraud found and I was responsible for {$9600.00} ( after XXXX transaction for {$19.00} was closed in XXXX with a credit to my account ). I was told since I had given my card information to the merchant and therefore it was not fraud and I was responsible. I repeatedly told Citibank that I had NOT provided my card information to the merchant but I could get no further resolution nor explanation as to when this was decided and how could I appeal this erroneous decision.

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 2024-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
i wrote a letter to this company in XXXX and asked them to send me verification of this account with my wet signature they have not provided it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XX/XX/XXXX, I deposited my payroll check into the ATM machine at Chase bank in XXXX XXXX. The machine took my check and failed to credit my account. I immediately called the chase customer service line as the deposit was made after bank hours. They representative said they would investigate the deposit. I received a conditional credit and a month after the credit was reversed.

I contacted Chase again this tune with both the claims supervisor and physical branch location rep on the phone. Neither would help. I was told that the machine is not managed by the bank but a third party and they could not physically check the machine. The claims XXXX stated they could not get a scan of the check so have no way of seeing the check image. I asked for camera to be pulled of which was told by the banker the cameras have limited visibility. The supervisor asked me to upload my check image onto Chases portal and they would reopen the case. I told them I could get my check stub of which I was told to do so. I uploaded the proof on the website and another week later called for follow-up. They said my proof wasnt enough and I should get the check reissued. Meanwhile, The bank has literally held my money for XXXX months. This reversal has caused overdrafts in my account. I requested they freeze the account while investigating so I would not incur further injury to my account and was told they couldnt do it. 

I have suffered severely as I live paycheck to paycheck and their dismissiveness about my check being held captive by their machine error has caused undue financial hardship. To date, XX/XX/XXXX I still do not have my money and my account is over drafted. The bank refuses to help or take responsibility for not servicing their machines properly or for crediting me back my payroll check. They put the burden on me to prove my deposit of which I complied and they refuse to remedy the problem even after providing them with what was asked of me. They are holding my money and I am powerless to get it back. Ive asked the company ( that I no longer work for ) to reissue but have yet to get assistance from them as well as they use a third party company ( XXXX ) to cut checks. I am told they can not tel me when I might receive another check. Therefore, I am highly upset that Chase could not resolve the error and mishandling of my money. My life has been completely inconvenienced and negatively affected by this bank error.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: NY

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report.

I am formally requesting the blocking and deletion of these accounts.

It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from 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 2024-03-20 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: CA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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 non-monetary relief
Consumer complaint received 2024-03-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Citibank refuses to provide a new credit card to replace my expiring credit card, on an open account. My payments are current but Citibank decreased my credit limit in XXXX and will not send a new card for my current card that expires XXXX. The customer service is horrible.

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 2024-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy.

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 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I was looking at my credit report and noticed XXXX XXXX Card Ser on my credit report being charged off. I was never 90 days late on this account. The information is inaccurate and is affecting me getting any decent loan or credit with a good interest rate.The 3 bureas are reporting different dates my account was closed and last activity on my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I was looking at my credit report and noticed XXXX XXXX Card Ser on my credit report being charged off. I was never 90 days late on this account. The information is inaccurate and is affecting me getting any decent loan or credit with a good interest rate.The 3 bureas are reporting different dates my account was closed and last activity on my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Phoenix Recovery Group
State: TX

Complaint narrative:
The landlord XXXX XXXX XXXX ( XXXX ) of XXXX XXXX, Texas hired Phoenix Recovery Group LLC to collect a debt from me without due process. I provided XXXX assistant property manager, XXXX XXXX with my phone numbers, email and forwarding addresses in order to contact me should they encounter any issues after I moved out of the apartment in early XX/XX/2021. For entire year I never heard from XXXX. Suddenly I get a call from Phoenix Recovery Group attempting to collect a debt I was not made aware of prior to the call. Since that phone call until now I have been subjected to a relentless abuse of power by Phoenix Recovery Group attempting to fraudulently bully me into paying a debt without my rights to dispute the charges. After the call, I contacted XXXX to find out why they took the action against me without my prior knowledge? I asked what were the charges they said I owed, and when I tried to explain that before I left, those items in dispute were explained to XXXX XXXX to which she said I had nothing to worry about, the lady then said that it was in the debt collectors hands and there was nothing she could do. I have initiated a dispute with XXXX ( my second attempt ) and obtained a confirmation # XXXX for the records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: KY

Complaint narrative:
Accounts on my credit report that I didn't Open : 1. XXXX XXXX XXXX {$470.00} 2. XXXX XXXX {$590.00} 3. XXXX XXXX XXXX {$600.00} 4. XXXX XXXX XXXX {$480.00} All the other accounts on my credit report were open by me. But there was also a lot of hard Inquires that were not done by me that needs to come 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 non-monetary relief
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I was notified that XXXX reported my payment as late on XX/XX/2023 via Experian. As shown, I used XXXX text payment option to pay the minimum payment for this account on XX/XX/XXXX and XXXX reported the payment late on XX/XX/XXXX. I reached out to XXXX for clarification and wasn't given any specifics as to why my payment was reported late after using the text to pay option. Please remove any inaccuracies from 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 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following fraudulent items ASAP Im XXXX business days of receipt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 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: WA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 


15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
PLEASE UPDATE MY PERSONAL INFORMATION WITH THE BELOW : NAME SHOULD ONLY READ AS FOLLOWS : XXXX XXXX XXXX ONLY ADDRESS THAT SHOULD BE ON MY FILE IS : ALL OTHERS SHOULD BE REMOVED AS THESE NON-MAILABLE XXXX XXXX XXXX XXXX XXXX, FL XXXX ONLY EMPLOYER THAT SHOULD BE ON FILE IS : ALL OTHERS SHOULD BE REMOVED AS THESE NON-MAILABLE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 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: NC

Complaint narrative:
I made a purchase on The XXXX XXXX 's website and opted to use the payment method via PayPal. At the time of purchase via the PayPal option, I was asked to select which card I would like to use ; that is linked to PayPal for this purchase. The card I choose was not the card PayPal used to render my purchase. I was informed that the card I choose was not accept ; however, it was linked, confirmed and verified. And I was informed that I need to setup a specific card with any merchant to the card I would prefer to use when using PayPal ; which I stated, " if that is the case, why when I purchase from a specific merchant and paying via the PayPal option why am I given an option to select which payment method I would like to pay if I have to setup a specific card to a specific merchant? '' Furthermore I was told if a card is not accepted at the time of purchase PayPal automatically select another payment method. I asked where did I consent to this and why would this be the case if my card I choose was linked, confirmed and verified. The Supervisor pointed me to this legal jargon on the PayPal website, " If you have not set a preferred payment method for an automatic payment agreement, or if your preferred payment method for an automatic payment agreement is unavailable ( for example, because it is expired or has insufficient funds ) you authorize PayPal to charge the backup payment method in the following order, if applicable : 1. Balance Account ( if one is linked to your personal account ) or balance in your business account ( if weve been able to verify the required identifying information you provide to us ) ; 2. Bank account ; 3. PayPal co-branded debit card ; 4. PayPal co-branded credit card ; 5. Debit card ; 6. Credit card ; and 7. E-check. This is also the order of payment methods that will be used if a previously selected payment method to be used in a seller agreement is unavailable. To help minimize disruptions in your automatic payments, we may update your payment method information associated with such automatic payments ; see Link or Unlink a Payment Method. '' My payment method is well was available as I just deleted this information from PayPal. I will never use this merchant for purchase ever again. I have a recording as well as emails to confirm all dialogue and processes that occurred. 
Thank you for your time and expertise ; as I am sure this can affect has affected many of the financially unfortunate especially during these economic times. The purchase amount was {$1800.00} ( washer/dryer ) which I cancelled with The XXXX XXXX ; however, the funds were deducted ; pending/ on hold, from my bank account. I have to wait until the cancellation process fully processes and PayPal is made aware of the cancellation from The XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: NY

Complaint narrative:
PERSONAL NOTE Dear consumer reporting agencies my name is XXXX XXXX Iam an upstanding citizen of U.S.A., Iam being held back from getting a higher paying job and an apartment where I desire to due to false information on my credit report I noticed today XX/XX/XXXX I ask please to investigate and remove false items reporting on my credit. thank you Have a Good day ACCOUNT NAME : DISCOVER BANK ACCOUNT XXXX Balance {$3000.00} The current amount owed on the account. 
Balance updated XX/XX/XXXX Open/closed Indicates the date an account was opened. 
XX/XX/XXXX Account type credit card Account charged off. {$3000.00} written off. {$3000.00} past due as of XX/XX/XXXX. 
Status updated Date the creditor last reported information about the account payment status. 
XX/XX/XXXX The balance currently reported as past-due by the company holding the account. 
{$3000.00} Highest balance The highest amount that you have owed on an account to date. 
{$3000.00} Monthly payment Last payment date XX/XX/XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX 15 USC 1681 E ( B ) & 15 USC 1681 1 ( 5 ) THESE TWO LAWS SIMPLY STATE THAT ALL ITEMS ON YOUR CREDIT REPORT MUST BE XXXX  ACCURATE AND IF AN INVESTIGATION IS DONE THAT CAN NOT PROVE AN ITEM ON YOUR REPORT IS ACCURATE IT MUST BE REMOVED THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: The CBE Group, Inc.
State: NV

Complaint narrative:
as of today i have not recieved any documentation or evidence validating the existence or legitimacy of this alleged debt this debt is not mines 15usc1692f

Company response to consumer: Closed with non-monetary relief