vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-11 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: WA

Complaint narrative:
I applied for a credit card at key bank and was discriminated.I was told my score was XXXX on equifax.I check my equifax credit report my score was XXXXXXXX XXXX  employee told me your score is not all that it's only XXXX downplaying my score as if it's bad.This happen at XXXX XXXX XXXX XXXX spoke to XXXX They lied and said I have auto loan which is paid for.I told them not to open account if you not going to give me high limit.My credit score went down because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
There were charges on my account that i questioned. a Subscription to a magazine that I never read which was XXXX then there was another charge of approximately {$30.00} that no one at Citibank could answer. It took numerous phone calls for someone to do a XXXX search to find out it was some kind of protection service that I never requested that they just put on my card. Said I was not going to pay for something that I never ordered or requested. Filed a dispute, was told by several people that they can only waive 1 late fee a year, I said I am not paying for something that i never ordered and they said that lates fees would continue to accrue until it was resolved. Told Citibank that was ridiculous that no other credit card that I had a dispute with allowed late fees to accrue. Citibank has no closed my account, I now have late fees over over {$100.00}, they sent me a bill for {$110.00}, I checked my account on line and I can no longer access it since they closed my account. What this company has done is appalling. This is all their fault and I am paying the price for it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
On XX/XX/XXXX I noticed I had a collection from LVNV Funding LLC. The amount was {$4900.00}. They seem to have purchased a debt from XXXX XXXX. Two months before this account was opened my apartment was burglarized and many things including my identity was stolen. I filed a police report and sent it to XXXX. They did not remove the account! Thie account doesn't belong to me. Please contact XXXX and have them remove the account. Thank you! 

LVNV Funding LLC account # XXXX po box XXXX XXXX SC XXXX ph. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 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: Paypal Holdings, Inc
State: TX

Complaint narrative:
The payment was made with my credit card thru PayPal and the merchant refunded the money back to me due to no products not available and the PayPal debited from merchant bank account but PayPal not refund money to my credit card they are holding for no reason. 

My name is XXXX XXXX XXXX XXXX : XXXX XXXX XXXX {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 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: MS

Complaint narrative:
I am writing to file a formal complaint regarding the continued delay in updating and opening certain accounts on my credit report. Despite my previous efforts to rectify this issue, I have not seen any progress, and the late opening of these accounts are negatively impacting my creditworthiness. 

I have identified the following accounts on my credit report that remain inaccurately reported as late openings, and I request their immediate correction : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Despite previous disputes and communications regarding these accounts, they continue to be reported as late openings on my credit report. This inaccurate information is unjustly affecting my credit score and my ability to secure new credit. 

I have taken all necessary actions to address these account discrepancies, including communicating with the respective creditors and providing supporting documentation when required. I have received confirmation from the creditors that these accounts were opened on time and have been in good standing. It is disheartening to see that these corrections have not been reflected on my credit report. 

I request that you conduct an immediate investigation into the late opening of these accounts and take the necessary steps to rectify this issue. This includes updating my credit report to accurately reflect the correct opening dates of these accounts. 

Please provide me with a written response within the 30-day time frame mandated by the Fair Credit Reporting Act ( FCRA ). Include details of the actions taken to address these inaccuracies and a copy of my updated credit report reflecting the corrections made. If any documents or additional information are required from my end to facilitate this process, please inform me promptly. I emphasize the importance of accurate reporting on my credit report as it directly impacts my financial standing and credibility.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I am writing to file a formal complaint regarding the continued delay in updating and opening certain accounts on my credit report. Despite my previous efforts to rectify this issue, I have not seen any progress, and the late opening of these accounts are negatively impacting my creditworthiness. 

I have identified the following accounts on my credit report that remain inaccurately reported as late openings, and I request their immediate correction : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Despite previous disputes and communications regarding these accounts, they continue to be reported as late openings on my credit report. This inaccurate information is unjustly affecting my credit score and my ability to secure new credit. 

I have taken all necessary actions to address these account discrepancies, including communicating with the respective creditors and providing supporting documentation when required. I have received confirmation from the creditors that these accounts were opened on time and have been in good standing. It is disheartening to see that these corrections have not been reflected on my credit report. 

I request that you conduct an immediate investigation into the late opening of these accounts and take the necessary steps to rectify this issue. This includes updating my credit report to accurately reflect the correct opening dates of these accounts. 

Please provide me with a written response within the 30-day time frame mandated by the Fair Credit Reporting Act ( FCRA ). Include details of the actions taken to address these inaccuracies and a copy of my updated credit report reflecting the corrections made. If any documents or additional information are required from my end to facilitate this process, please inform me promptly. I emphasize the importance of accurate reporting on my credit report as it directly impacts my financial standing and credibility.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11 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: NY

Complaint narrative:
This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXXXXXX and XXXX XXXXXXXX. Please delete these accounts ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 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: Shellpoint Partners, LLC
State: NY

Complaint narrative:
My credit report is showing late payments to SHELLPOINT MORTGAGE XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or SHELLPOINT MORTGAGEs customer service representative.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 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: IN

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, Inaccurate and questionable items that your agency did not make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything must be 100 % accurate on my credit report and under 15 U.S Code 1681e ( b ) and 15 U.S Code1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. The credit reporting agencies stated that these accounts were properly investigated and came back verified. However, how is this true when there are several inaccuracies showing on my report? As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S 1681i ( 7 ) Method of verification-Description of reinvestigation procedure.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 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: NE

Complaint narrative:
I am requesting again in regards to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these accounts and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-09-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc.
State: NC

Complaint narrative:
In XXXX XXXX XXXX XXXX, Google Pay threatened to retaliate against me for reporting criminal employee financial misconduct. There was an errant and duplicative Google charge that errantly went through even though I had already paid for the service. A rogue and corrupt Google employee unilaterally decreed herself higher than law and said there was nothing I could do about her felonious criminal misconduct. Google Pay then attempted to criminally extort me by threatening retaliation for reporting criminal misconduct to my bank- a federal obstruction of justice felony offense. Maybe they believe they can bribe the right people at the Department of Treasury.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 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: CA

Complaint narrative:
Transunion, XXXX, and XXXX continue to report inaccurate information on my consumer report. 

The account listed XXXX XXXX Account # XXXX. 

Last Verified : XX/XX/2020 -- -- Date of Last Activity : XX/XX/2020 XX/XX/2020 XX/XX/2020 Date Reported : XX/XX/2020 XX/XX/2020 XX/XX/2020 Date Opened : XX/XX/2020 XX/XX/2020 XX/XX/2020 Closed Date : XX/XX/2020 -- -- Account Rating : Transferred Closed Transferred Creditor Remarks : Purchased by another lender Purchased by another lender Account transferred or sold Real Estate Mortgage Account Type : FHA real estate mortgage FHA real estate mortgage Real estate mortgage 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) 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.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11 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: M&T BANK CORPORATION
State: CA

Complaint narrative:
Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show correct payment history. Update the account/s below : XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2023, I discovered a fraudulent wire transfer of {$8900.00} from my account via " Online domestic wire transfer '' to an individual in Florida, whose identity remains unknown to me. 

I did not authorize or initiate this transaction in any way. I have never met or had any dealings with the recipient of this wire transfer, and I can provide documented evidence of my whereabouts and activities on the aforementioned date to substantiate this claim. 

To the best of my knowledge, I have not lost my phone or wallet, and I have taken all necessary precautions to safeguard my account information, including regularly updating my online banking password and implementing two-factor authentication. 

In light of this incident, I immediately reported the unauthorized transaction to Chase Bank, submitting a formal claim for the fraudulent withdrawal. However, I was deeply disappointed to receive a denial for my claim, indicating that Chase Bank does not find any discrepancies in this matter. They have not shared with me any documents that support that I did this transfer. 

I am writing to you today with the hope of resolving this issue as promptly as possible. The unauthorized withdrawal of {$8900.00} from my account has put a severe financial strain on me, and I am left feeling vulnerable and helpless in the face of this injustice. I trust that Chase Bank will take this matter seriously, reevaluate my claim, and conduct a thorough investigation to rectify the situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-11 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: MS

Complaint narrative:
I am writing to file a formal complaint regarding the continued delay in updating and opening certain accounts on my credit report. Despite my previous efforts to rectify this issue, I have not seen any progress, and the late opening of these accounts are negatively impacting my creditworthiness. 

I have identified the following accounts on my credit report that remain inaccurately reported as late openings, and I request their immediate correction : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Despite previous disputes and communications regarding these accounts, they continue to be reported as late openings on my credit report. This inaccurate information is unjustly affecting my credit score and my ability to secure new credit. 

I have taken all necessary actions to address these account discrepancies, including communicating with the respective creditors and providing supporting documentation when required. I have received confirmation from the creditors that these accounts were opened on time and have been in good standing. It is disheartening to see that these corrections have not been reflected on my credit report. 

I request that you conduct an immediate investigation into the late opening of these accounts and take the necessary steps to rectify this issue. This includes updating my credit report to accurately reflect the correct opening dates of these accounts. 

Please provide me with a written response within the 30-day time frame mandated by the Fair Credit Reporting Act ( FCRA ). Include details of the actions taken to address these inaccuracies and a copy of my updated credit report reflecting the corrections made. If any documents or additional information are required from my end to facilitate this process, please inform me promptly. I emphasize the importance of accurate reporting on my credit report as it directly impacts my financial standing and credibility.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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