vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-24 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: IL

Complaint narrative:
I am utterly disappointed right now, you complete disregard your own stated timeline. In your memo dated, it's explicitly stated that the results of the investigation would be provided to me within 30 days. That deadline has come and gone without a single word from them regarding the status or findings.

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 2024-05-24 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
I received a virtual American Express gift card from XXXX XXXX. Eveytime I try to use the gift card it declines even though I have sufficient funds. I called the company and they said it's probably because of the merchant. I asked for them to tell me where I can use the card and they couldn't tell me. I tried to use the card in stores and the card declines. The customer representative line is no help and they say the same thing every time. I feel like this is a scam and many people are having the same issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: OH

Complaint narrative:
My card was stolen at the gym they took my phone and all my information was in there including my pin to my card and social security number it was taken on XX/XX/XXXX and was used for 2 days {$2800.00} was taken out of my account I filed a claim with the bank they denied it I dont think everything was investigated correctly they should check the atm cameras I never disclosed my pin to anyone at all

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 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: FL

Complaint narrative:
I am lodging this complaint on my own behalf. Upon scrutinizing my credit record, I uncovered instances of late payments. Despite sending letters over 30 days ago, I have yet to receive a response, and satisfactory validation has not been provided. I respectfully seek your aid in rectifying 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 2024-05-24 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: SC

Complaint narrative:
This account was charged off on the following date : XX/XX/XXXX Since then the date of last activity has been inconsistently updated. On XXXX the date last active is ( XX/XX/XXXX ) an an XXXX its ( XX/XX/XXXX ) and on Experian its ( XX/XX/XXXX ) If the information is coming from the original credtor the dates should be the same. We can not say these account are 100 % accurate so it is deemed INACCURATE. Please delete this account from my report. 
ACCOUNT 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 2024-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
I was involved in a fraud scam involving people impersonating the local county sheriff 's office and implying I had a citation for missing a jury date. They coerced me into paying for citation fees under the implication that they would be refunded back as they were claiming to consider me as Did not receive on the jury duty. I attempted to dispute the transactions with Paypal with no success leaving me to file an FTC report, Report number : XXXX and dispute the charges with my bank. Now Paypal is trying to reclaim funds that were stolen from me and taking action against my account saying I owe them money that was mine to begin with by reducing the account by - {$90.00} and claiming if I don't pay, they will send the payment to a collections agency leaving me feeling pushed and attacked as a consumer when I am trying to protect myself from a scammer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-24 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: SANTANDER HOLDINGS USA, INC.
State: MS

Complaint narrative:
ACCOUNT NUMBER : XXXX Per the FCRA, I as a consumer opted out of all authorization i previously gave CHRYSLER CAPITAL via mail. They have not taken action in removing the above account from my consumer report. Therefore the above account should not be reporting on my consumer report per 15 USC 6802. I demand a immediate deletion from my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-24 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: TX

Complaint narrative:
Under 15 USC 1666B the account XXXX XXXX XXXX XXXX is a billing error. I am requesting that this account is changed to paid as agreed never late. Please see the attached consumer report which shows the inaccuracy in the payment history. How is XXXX reporting 30 days late in XX/XX/2023 while Experian and XXXX are reporting that the account was 30 days late in XX/XX/2023. At this time, I am not asking for a goodwill adjustment, I am requesting that this information is updated due to misinformation and negligence. Please update the account to paid as agreed never late. Please see the incorrect information on the credit report attached. I contacted the creditor to inquire about the payment history, and they informed me that the credit reporting agencies are not correctly furnishing the information that the company is providing

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 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-24 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: SC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 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:
I'm resubmitting my dispute letter due to lack of resolutions or actions. Again, YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section.

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 2024-05-24 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: SC

Complaint narrative:
After examining my credit report, I observed inaccuracies in the listed accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-24 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: CA

Complaint narrative:
Upon reviewing my credit report, I've noticed discrepancies and inaccurate activities associated with the following accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Credit Karma, LLC
State: SC

Complaint narrative:
I cant access ny XXXX score

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 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: FL

Complaint narrative:
I've noticed unfamiliar items on my credit report, indicating potential identity theft, as I did not authorize these accounts. I've addressed this concern previously, and I'm now requesting prompt removal of these accounts from my report. Their presence is causing considerable stress as they do not accurately reflect my financial history or management. Dealing with this situation has been challenging. If resolution isn't achieved, I am prepared to pursue legal action to safeguard my rights and seek a resolution. These erroneous entries pose a significant obstacle, impeding my ability to achieve important financial objectives such as homeownership and providing for my family. I trust that we can resolve this issue expeditiously.

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 2024-05-24 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: NJ

Complaint narrative:
I would like to dispute off the following inaccurate accounts from my credit report. 


XXXX : XXXX XXXX XXXX. 
Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX Account Number : XXXX {$20000.00} XX/XX/XXXX XXXX XXXX XXXX. 
Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX : XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX 
Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX 
Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX TransUnion : XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX 
Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Account Number : XXXX {$20000.00} XXXX XXXX XXXX XXXX 
Account Number : XXXX {$0.00} XX/XX/XXXX XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/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 2024-05-24 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: NJ

Complaint narrative:
I would like to dispute off the following inaccurate accounts from my credit report. 


XXXX : XXXX XXXX XXXX. 
Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX  Account Number : XXXX {$20000.00} XX/XX/XXXX XXXX XXXX XXXX. 
Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Experian : XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX. 
Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX 
Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX 
Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX TXXXX XXXX Account Number : XXXX {$20000.00} XXXX XXXX XXXX XXXX 
Account Number : XXXX {$0.00} XX/XX/XXXX XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/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 2024-05-24 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: MI

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: NJ

Complaint narrative:
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
XX/XX/2024 I applied for Capital One Quicksilver card and received an approval email on XX/XX/2024. Please see the copy of he approval email. 

XX/XX/XXXX XXXX XXXX I received email stating my card was in the mail and would arrive by XX/XX/2024, please see the copy of it. 

XX/XX/2024 I was unable to activate the card by calling their activation phone number because they said did not recognize my phone number. My phone number was the same one I used when applying for the card. They requested that I send a copy of my drivers license via a secure link, which I did. Please see a copy of it. They activated my card and the card was ready for purchases. 

XX/XX/2024 I attempted to use my card on a XXXX XXXX XXXX, but they declined the transaction. When I called Capital One, they said it was due to suspicious activity. I confirmed it was me making the purchase and waited three weeks, but the issue was not resolved. 

XX/XX/2024 I called again because my card was still blocked. They requested my drivers license again via a secure link. Please see a copy of it. I sent them the drivers license copies. They assured me on the phone that they would call me once the issue was resolved, but they never did. 

Early XXXXXXXX XXXX Since there is no Capital One branch in XXXXXXXX XXXX I visited the Capital One XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I explained the situation and my frustration to the staff there. The responsible person called Capital One several times to help me. After this visit, Capital One requested additional documents, including my drivers license and proof of residence via a secure link. Please see the attached copy of the email dated XX/XX/2024. I sent the requested documents, including a copy of my drivers license and the most recent electric bill from XXXX XXXX. 

A couple of weeks later : A representative from Capital One called me and requested that I stay on the line for a three-way conference call with XXXX XXXX to confirm the name and address on the electric bill. While waiting on the line, the call disconnected, and no one from Capital One called me back. The representative did not provide a callback number either. 

XX/XX/2024 : As of today, my card is still blocked due to Capital One 's mismanagement and miscommunication, despite my best efforts to resolve the issue and comply with all requests. Meanwhile, I continue to receive promotional emails and auto-payment notifications as if I were able to use the card. Please see the attached copies of these emails and my electric bill showing my name and address for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 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: MA

Complaint narrative:
I'm feeling troubled, unhappy, and stressed regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments. I did not miss any payments, and I urgently require your assistance to address 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 2024-05-24 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: CA

Complaint narrative:
This XXXX XXXX  account has inaccurate information. Equifax own reporting on the account shows that for months reported late there was no record " XXXX '' reporting for the months. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. Investigation showed no record of late payments for months in question for Equifax report. The account should be updated to report PAID/NEVER late or the account should be removed. their own records shows no record for disputed months. 
see attached as proof

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-24 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: SC

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that TransUnion, XXXX, AND XXXX will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : XXXX & XXXX  account numberXXXX

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 2024-05-24 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: SC

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX, EQUIFAX, AND XXXX will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : XXXX & XXXX  account number:XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-24 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: MA

Complaint narrative:
I saw that I have an unauthorized credit inquiry

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