vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/XXXXXXXX XXXX XXXX XXXX my bank account was closed because a reversal transaction that I put in. when I receive my money I went to my local branch to withdraw funds. They then told me I would have to wait a day but I was able to use the ATM. I went to use the ATM machine and all of a sudden my card was locked. Ill call Citibank and they said my account was being close. they then told me to wait 30 to 60 days upon my account being fully closed out and I will receive a check in the mail for the remaining balance of the money that was in my account. I called them today which is XX/XX/XXXX. My account is fully closed out and I still havent received any funds so I didnt ask them whats going on with the funds now theyre saying theres no money owed out to me and thats all they can tell me and continuously hangs up the phone on me. I would really like for the situation to be resolved as soon as possible. Thank you. 

XXXX XXXX Account # XXXX Business name : 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 2024-08-30 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: FL

Complaint narrative:
My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( 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 section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports 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 2024-08-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I do not recognize the negative accounts appearing on my 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 2024-08-30 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Hello, my name is XXXX XXXX XXXX I have reviewed my credit report and have noticed a few inaccurate addresses and accounts that were not authorized by me. I had lost my wallet and I'm urgently requesting to have the following accounts and addresses removed from report. I am a victim of identity theft and did not authorize the charges. I ask that the items be deleted as they are affecting my report and my financials. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible

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 2024-08-30 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am writing to file a formal complaint against Experian for their failure to correct inaccuracies on my credit report and their violations of the Fair Credit Reporting Act ( FCRA ). My personal information was compromised in a data breach, which has led to identity theft and unauthorized accounts being opened in my name. Despite my efforts to resolve these issues directly with Experian, they have not taken the necessary steps to correct my credit report. 

XXXX. Violation of FCRA Section 607 ( b ) : Experian has failed to maintain reasonable procedures to ensure the accuracy of the information included in my credit report. My report contains unauthorized accounts, incorrect names, and addresses that are not mine. These inaccuracies are a direct result of my information being compromised in a data breach. 

Violation of FCRA Section 609 ( a ) ( 1 ) ( B ) : I have disputed the inaccurate information with Experian, requesting that they verify the accuracy of the disputed items. However, Experian has failed to properly investigate or verify the accuracy of these items, and the incorrect information remains 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 2024-08-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.

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 2024-08-30 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: NY

Complaint narrative:
I sent a letter to the XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as per the XXXX SEC filings ; requesting my information is no longer be shared with third parties without my expressed consent in writing. I informed XXXX, Transunion, and XXXX that I have chosen to exercise my right as per the privacy act of 1974, which went uncontested with XXXX and XXXX XXXX XXXX XXXX, and they are yet to update the account. In addition to that I informed the representatives of XXXX, Transunion, and XXXX that as per the IRS publication XXXX certificates of indebtedness are deemed as income and income is not to be furnished on a credit report. I've uploaded the letters that were sent to both XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-08-30 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: WI

Complaint narrative:
Saturday XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX I started a message on XXXX with a person selling XXXX XXXX XXXX XXXX XXXX She was in the XXXX XXXX I was in. She was selling 5 seats of tickets for all XXXX XXXX XXXX, for {$150.00} a ticket. 
I had wanted to purchase 3 tickets for one game for {$450.00} total. She said that was fine. She would transfer the tickets to me in the XXXX XXXX  after she received the payment. 

I used PayPal to send her the money. She sent me a message back that she could not transfer the tickets to me unless she transferred all 5 she had for the game. I said I did not want or need them all. She asked for more money, but I said I would not send anymore. After that I could not send her messages. 

I went on the PayPal website right away to dispute the transaction, and I also contacted the bank that PayPal would draw the funds from XXXX ( through XXXX XXXX XXXX  ) and asked to stop payment. 

PayPal responded back within the hour stating they did not think it was fraudulent and that it was consistent with other PayPal transactions. But I have never sent money to this person and have not sent money to someone based outside the US. 

XXXX sent me a message back on XX/XX/year>, asking for more information on the transaction and locked my debit card so no more transactions could happen. 

I responded back on Monday XX/XX/XXXX, with my answers. 

XXXX  then notified me on XX/XX/XXXX at XXXXXXXX XXXX that a dispute had been filed and provided a link to upload any info. I did not have time to upload anything, but there was not much documentation to provide anyway. 

XX/XX/XXXX at XXXX XXXX XXXXXXXX responded back that they feel there was no error. They stated that they are unable to dispute authorized ACH transactions, as the ACH network does not support service disputes. I asked back why they had no protection for fraud for their customers and if there was anything else I could do. They said to try to work with PayPal since they were the ones that transferred the funds. 

I tried to appeal to PayPal again and again they did not try to get my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: SC

Complaint narrative:
ACCOUNT # XXXX XXXX this is XXXX  about these accounts. Im not XXXX XXXX pay these accounts I'm super XXXX, now or in the future. Thats just how it is. Later,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XXXX of XXXX I received a letter from Citi Bank that my checking account with at least {$1500.00} was being closed due to fraudulent activity and that in 90 days following the letter I would be receiving a check with whatever amount I had in the bank. It has been more than a year and still no check. Just a lot of run around on the phone with customer service who can not give me a straight answer and will not do anything to help me. I opened this account online. There is no Citi Bank branch anywhere near me. The last person I spoke with told me that I have to go personally to a branch for them to help me! With what car?!? How will I know that the branch is going to have a solution? When everyone that I speak with cant conveniently find my closed account anywhere on their end! I have been getting the run around from these people for way too long. Something needs to happen I need my money!

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 2024-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
XXXX XXXX  to whom this card was issued elected for a private liquidation per California 's laws on. Assignment for the Benefit of Creditors. There is no money left as all unsecured creditors were paid XXXX % of their debt and we are dissolving the company shortly. 
According to the company attorney, the explanation accompanied the check. Under California 's laws and common law around Assignment for the Benefit of Creditors, unsecured creditors do not have to consent to the settlements- it is binding upon them as in a bankruptcy. I am enclosing legal information about California 's ABC laws. 
On XX/XX/XXXX, I spoke to an AMEX representative about the liquidation settlement and was asked to send documentation of it to a specific address : XXXXXXXX XXXX XXXX XXXX XXXX  TX XXXX. I sent them the requested documentation the next day XX/XX/XXXX. I was told no further action would take place until AMEX had reviewed the settlement documents. Further, I followed up with AMEX on XX/XX/XXXX at which point the representative told me AMEX was typically slow processing documents mailed that address and to be patient. 
First, the account should not still be open it was legally settled. But if AMEX is not convinced of this, it should not be making derogatory marks on my credit while the issue is in review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2024-08-30 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: TN

Complaint narrative:
I recently obtained my credit report that was not reported accurately. I had 7 late payments on the account that I infact paid on time. I have automatic payments setup. the consumer reporting agencies need to report all info with complete accuracy. This account has not been late on payments and I even contacted the company and they refunded my late fees and admitting their wrongs but nothing has been updated on my credit. I'm requesting that this account be updated proving that I had late payments, if this information can't be verified with them, I demand that you investigate this and update my credit profile immediately and be marked as paid on time. 

I have attached documents. 

They are stating I was late many months in a row XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-30 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: TN

Complaint narrative:
I recently obtained my credit report that was not reported accurately. I had 7 late payments on the account that I infact paid on time. I have automatic payments setup. the consumer reporting agencies need to report all info with complete accuracy. This account has not been late on payments and I even contacted the company and they refunded my late fees and admitting their wrongs but nothing has been updated on my credit. I'm requesting that this account be updated proving that I had late payments, if this information can't be verified with them, I demand that you investigate this and update my credit profile immediately and be marked as paid on time. 

I have attached documents. 

They are stating I was late many months in a row XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following 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 2024-08-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
I received a letter to collect debt from a company called Transworld Systems IncXXXX on behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> that belongs to account number XXXX at the amount of {$92.00}. I confirmed and paid the amount using XXXX XXXX XXXX 

Issue # XXXX : I never received a letter that I owe that amount to XXXX XXXX XXXX, not once or twice. I checked XXXX XXXXXXXX XXXX web site and I still show no amount is owed before payment. 
Issue # XXXX : Even I checked and received the letter from mailbox on XX/XX/year>, the letter mentions that I have XX/XX/year> to dispute the debt. I checked and confirmed yesterday ( XX/XX/year> for my wife 's medicine ) and there was no such letter in my mailbox and I subscribed to USPS Informed delivery and I didn't notice that mail on earlier days. 

Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 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:
I was reviewing my credit report and noticed inquiries that are not mine. XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XXXXXX/XX/year>, XXXX XXXX XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: OR

Complaint narrative:
I went to an outside ran atm tried to withdraw XXXX and the machine said the transaction was complete but it gave me no money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 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: GA

Complaint narrative:
I've gone over my latest credit report and noticed several incorrect accounts that appear to be fraudulent and were added without my knowledge.

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 2024-08-30 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:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 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: PA

Complaint narrative:
I did not instigate these inquiries and have suspicions of their fraudulent nature. I request a comprehensive investigation and their swift removal from my credit report. Supporting documents have been provided for your examination.

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