vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-06 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: MO

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-05-06 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: CORELOGIC INC
State: FL

Complaint narrative:
I am a natural person. I am living human being ; I have rights under 15 USC 1681. XXXX is governed by 15 USC 1681, and they violated my rights numerous of times. I demand the accounts listed below be remove/deleted because according to 15 USC 1681 . I have the right to privacy, and I did not give XXXX written permission to furnish Deleted accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc.
State: FL

Complaint narrative:
I went to XXXX XXXX and they offered to give me a credit card through XXXX XXXX for my purchases of certain items that were not in display, I took it. XXXX never sent me my merchandise. Since they never sent me the merchandise I was under the impression I didn't have to make any payments to XXXX XXXX. Because of this I wasn't aware I had a balance with XXXX XXXX since XXXX made a mistake and sold me items that were no longer in stock. I feel that it isn't right for me to pay for something I never received. I disputed it with XXXX XXXX and XXXX XXXX & after months of back and forth they closed out my credit card with XXXX XXXX and deleted it from my credit report. I didn't want the account after this awful situation so I agreed for them to close it and remove it from my credit report. Unfortunately XXXX XXXX sold this unlawful balance to The Bureaus for {$1300.00} even though XXXX XXXX  agreed this was an error even though XXXX confirmed I never received the merchandise. Now The Bureaus are continuing to collect even though they have confirmed verbally over the phone that this account is closed and supposedly is being serviced by another collection company but it's The Bureaus that continue to report this on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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: TX

Complaint narrative:
My address should only be XXXX XXXX XXXX XXXX XXXX Tx XXXX My Employer is XXXX XXXX XXXX XXXXXXXX XXXX number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I was a victim of a scam via Venmo XX/XX/XXXX. The scammer was staff member working for a XXXX XXXX XXXX posed as a customer service representative from my bank XXXX XXXX XXXX XXXX and a confirmed XXXX XXXX  number stating there was issues with my online account. The staff person stated XXXX needed access to Venmo to correct the issue. Once I realized it was scam I immediately ended the call and contacted Venmo and my bank to alert of the scam that evening XX/XX/XXXX. 

My bank helped me close all my accounts stop the money being sent to scammer and reopen all new accounts. I removed all bank information from Venmo and opened a dispute with Venmo. I relayed all the above to Venmo they only dediced I should contact the scammer and " scammer '' to get my money back. I explained again she doesn't exist and they said I owe Venmo {$1000.00} even if the bank stopped the payment. They refuse to deactivate my account. Also, I had a friend accidentally forget and pay me on Venmo since I cant deactivate my account and they refuse to give it back. Venmo has also sent this false bill to collections and has been threatening to ruin my credit. They will not provide a collection let in writing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 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: TX

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2024-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-05-06 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: IL

Complaint narrative:
I been a victim of identity theft

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 2024-05-06 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: IL

Complaint narrative:
I been a victim of identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
On XX/XX/XXXX I was approved for an AAdvantage card to use for a flight that I was wanting to schedule. Which should have meant that they gave me temporary card information to pay for the flight with. That did not occur. Additionally I still have not received my card since that date. Meaning that I am still not able to schedule the flight with the deal that they conveyed. So the deal is broken twice, once by them not fulfilling their obligation immediately after the approval and a second time by failing to deliver the card when they said it would be delivered. This is the summary of what occurred. I will put the more detailed version below, which will likely exclude the times I called and XXXX XXXX and Citi referenced each other or other parts of their business that couldn't help me. 


XX/XX/XXXX Approved for card but wasn't given temporary call information to use to book the flight. 
I called to see why I didn't get the needed temp info, they simply said that they couldn't retrieve that information. I advised them that I needed to change the shipping address. They told me to call back in another two days and claimed that was when the card would be shipping and that the shipping address could be changed then. 

XX/XX/XXXX I call back asking to change the shipping address of the card. They advise that it shipped the day before. They cancel that card and advise that another is being mailed to the correct address and should arrive in 7 to 10 business days ( XX/XX/26 - XXXX ). 

XX/XX/XXXX I call back to see what's happening with the card and the representative advises that the card shipped on XX/XX/XXXX and that it should arrive in another 3 to 6 business days ( XX/XX/XXXX - XXXX ). When I asked about the reasons for the delay she advised that is was due to a " known internal issue '' and " system glitch ''. After this I demanded compensation, the rep put me on the phone with her supervisor who said that they would credit me XXXX additional flight miles.

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 2024-05-06 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: NJ

Complaint narrative:
Transunion is currently reporting XXXX XXXX account as open when it has been closed since XX/XX/year> according to the website. Please remove account or update to accurately reflect the current status. Account Status shows as complete on the website.

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 2024-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
There was 3 fraudulent unauthorized transactions made using my paypal mastercard debit card for the following amounts. When I noticed them i contacted paypal right away about them and did everything as their policy states to do when there is unauthorized usage on the account. After submitting a claim promptly for the transaction about a day later i get a response for the first 3 transactions stated they were denying my claim because I authorized the transactions and thus isnt protected under their paypal purchase protection. This is completely unacceptable because i did not authorized the transactions and i did everything on this policy when this happens and i should not be liable for any unauthorized transactions per this own policy and Mastercards. They are breaking and not following thier own protocols. Its annoying and unacceptable. Please help recover my funds its about {$500.00}!! : ( im so behind on my bills because of this. 

XXXX XXXX XX/XX/XXXX - {$190.00} XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, - {$190.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-06 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
DEAR THD/CBNA ; I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX ; XXXX AND 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 2024-05-06 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2024-05-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Western-Shamrock Corporation
State: OK

Complaint narrative:
On XX/XX/year> I was contacted by phone ( XXXX ) XXXX XXXX by Western Shamrock XXXX, Located at XXXX XXXX XXXX XXXX XXXX, OK XXXX. I spoke with Office XXXX XXXX and she advised me of an upcoming payment due, I requested information to retrieve an accurate amount of the debt I owed. XXXX stated, " Do not worry XXXX XXXX, we will take you to court and garnish your wages ''. Western Shamrock has documentation of my single source of income being my veteran 's XXXX. Since the date of being notified of being sued by Western Shamrock, I received two more phone calls on XX/XX/year> at XXXX XXXX  and on XX/XX/year> at XXXX XXXX from XXXX, as well as leaving a voicemail stating " it is important that I contact her regarding my account ''. Western Shamrock used threatening methods ( threatening to take me to court ) to attempt to collect a debt, a violation of debt collection fair practices of the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
With my CHASE business savings account I found out I was having all kinds of small amounts debited from my savings account over the course of several months. By the time I noticed it ( had to get a new book keeper ) CHASE said they would not refund me all the losses that I suffered. I have a claims reference number with them : # XXXX. These fraudulent charges coincidentally began coming from my savings account almost the day I got off the phone with CHASE about fraud on my checking account ( those fraudulent charges WERE caught by CHASE ) and I had just asked the man on the phone to put extra protections on my accounts. It seems as though they dropped the safeguards on my account and are not admitting ( obviously ) anything. Also, after I contacted CHASE in XX/XX/2023 about my compromised savings account, subsequent fraud charges were caught by their system. 
I feel I should be refunded 100 % of my lost money, because XXXX ) Their system failed to catch so many charges that did not match my normal spending habit ( ACH from Savings account and fake checks written from a SAVINGS account XXXX ) Before when I would get notified by CHASE fraud department and take immediate action, when their fraud protection was working.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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: NY

Complaint narrative:
I am writing to follow up on my previous correspondences regarding the inaccurate negative entry that continues to be reported on my credit report across all three major bureaus. And I don't know how long it would take for you to take down and remove this entry on my credit report. 

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 2024-05-06 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

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 2024-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
XXXX Capital One was selling members info which lead to me being a victim of people stealing money from my account. Capital One required that I open a new account. I made them aware I was to receive my stimulus in the account they were closing. They reassured me that the funds would be deposited into the new account upon arrival. To this day Capital One has not given me my {$7000.00} stimulus. Capital One denies ever receiving these funds. A letter from IRS proves that Capital One did receive the funds and they were accepted not rejected as XXXX lied in her letter to me. 
XXXX Capital One was in a class action law suit for selling their members information. Capital One did not notify me of the class action law suit. They refuse to make any corrections in either situation. I want my {$7000.00} and the rightful amount of restitution owned to me per the class action law suit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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: FL

Complaint narrative:
I submitted all required documents to Experian and even spoke to someone named XXXX at Experian on XX/XX/24 that all but assured me that she had the necessary documents that I had submitted to resolve my issue after XXXX attempts. It is still not resolved as of today when I received an email from them telling me that my dispute was closed again. My student loan balance was completely forgiven almost a year again and it is still showing that it is a active balance from XXXX on my credit file. This is not correct. Please help me.

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 2024-05-06 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: IN

Complaint narrative:
XXXX XXXX XXXX did not report the late payments correctly to each credit union. In XXXX of XXXX how was I 90 days late with XXXX but not with Equifax or XXXX? Also on my Equifax credit report it shows that there was XX/XX/XXXX days late in the consecutive months of XXXX through XXXX of XXXX but that is not reflected on either XXXX or XXXX credit report. All three credit bureaus are reporting different information and according to 15 U.S. Code 1681e - Compliance procedures, " Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' This is a direct violation and furthermore proves that there was no investigation to provide proper verification. Its the law to report accurate information and I want these late payments either deleted or adjusted to PAANL ( paid as agreed, never late ).

Company response to consumer: Closed with non-monetary relief