vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-15 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: 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 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 2024-02-15 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: MO

Complaint narrative:
Dear Sir/Maam I am writing to formally request the deletion of my credit account information from your records, in accordance with permissible purposes as outlined in relevant privacy regulations. 

XXXX XXXX  XXXX Permissible Purpose Justification : I am invoking my right to request the removal of my credit account information based on permissible purposes, as provided for in [ relevant privacy regulation or law, e.g., Fair Credit Reporting Act ( FCRA ) ]. The grounds for this request are [ briefly describe the specific permissible purpose, such as the closure of the account, completion of the credit reporting purpose, or other relevant justification ]. 

Please find attached any necessary identification or documentation to facilitate the efficient processing of this request. I anticipate that the removal of my credit account information will be completed within the timeframe specified by the applicable regulations. 

I appreciate your prompt attention to this matter and trust that the removal of my credit account information will be conducted in accordance with the relevant privacy laws. 

Thank you, so much for your time.

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 2024-02-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: OH

Complaint narrative:
PNC Bank merchant services has given me a great deal of difficulty and adding a different bank to deposit my payments for my business. PNC banks merchant services will not accept the documentation from a national bank, even though it reached the checklist that they have given me the one thing that is missing is a signed document from that bank, but it is the policy of the other bank not to have bank employees draft their own form letters and signed them so that Bank has been more than accommodating by providing additional documentation Unemploy, phone number and name This is resulted in PNC keeping or having the payments from customers go back to the customers and me as a business owner using PNC marching services to lose out on payments. I dont know how to go around because Im stuck. There is no other way around this bank policy and PNC is uncompromising in allowing me to provide anything else to show that I am the actual customer and that the bank is an actual legitimate bank, the other bank is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I went to XXXX XXXX to apply for credit there system put one application thru 4 times not on my part then I find 4 different letters from Bread pay Comenity bank I don't know what happened and want some help if this is the correct place.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
This debt was originally with XXXX XXXXXXXX XXXX Purchased by LVNV Funding who used a law firm to collect payment. I paid the debt in full and received confirmation from the law firm that it was settled. However, this is still being reported in collections by LVNV funding.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 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: CA

Complaint narrative:
I've contacted the credit reporting agencies via phone and mail to resolve the issue. Discharged accounts are still being reported on my credit report. Per IRS once the accounts have entered charge-off status and filed as discharged debt, it is now taxable income. INCOME CAN NOT BE REPORTED ON A CONSUMER PROFILE AS DEBT. There is a1099c form and the income is being filed on my taxes. 

In accordance with 15 USC 1681-E ( B ) each bureau has the responsibility of reporting maximum accuracy. 

This inaccurate information being reported to my credit profile is severely impacting 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 non-monetary relief
Consumer complaint received 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I've contacted the credit reporting agencies via phone and mail to resolve the issue. Discharged accounts are still being reported on my credit report. Per IRS once the accounts have entered charge-off status and filed as discharged debt, it is now taxable income. INCOME CAN NOT BE REPORTED ON A CONSUMER PROFILE AS DEBT. There is a1099c form and the income is being filed on my taxes.

In accordance with 15 USC 1681-E ( B ) each bureau has the responsibility of reporting maximum accuracy. 

This inaccurate information being reported to my credit profile is severely impacting my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC
State: FL

Complaint narrative:
To whom it may Concern, I would like to file a complaint against this company. Back in XX/XX/XXXX, my car got repossessed for nonpayment. Which was financial issues. Anyway, I paid them {$4000.00} and that was to cover the months that I have missed and all the other fee 's that I was told that were included. Then in XXXX of XXXX, I was told that I had to pay more fees and this company couldn't justify that. They said that I owed more fees. So looking at my payment history I have made XXXX payments. with a total of {$31000.00} However, looking at my credit report they haven't reported anything to the XXXX  credit bureaus since XXXX of XXXX. 

I have asked the company why they aren't updating anything and they said you haven't made any payments. I stated yes I have and I have proof. It might not be all of it but XXXX of it as I am paying for other expenses like medical bills, rent, and so on. So I got really suspicious and started to do my own investigation. 
This is what I paid according to them : XXXX XXXX XXXX XXXX : XXXX ( on XX/XX/XXXX I gave them {$1000.00} ) XXXX {$650.00} XXXX {$710.00} XXXX- skipped XXXX {$650.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$500.00} XXXX {$500.00} XXXX {$600.00} The total for the year {$7000.00} is what they are saying I paid however what I paid to them is {$7600.00} up to this point and I have documentation to prove what I sent them. So each year its {$7800.00} total for the payments on my car. So according to their statements, it's saying late charges of {$280.00} then other charges of {$86.00} which they can't justify what the other charges are for. No one in their department can say that. I want to file a complaint because of the incorrect information on my credit report. If you look at the credit report it states that I owe XXXX when I look at my account it states I owe {$18000.00}. I can't refinance the car because the companies say they blocked me from refinancing the loan. 

I have been lied to and threatened by these people in voicemails. They call and harass you all hours of the day when I tell them I work the XXXX shift I can't talk as I am sleeping most of the day. They said so we will still call. Overall the payments I have made so far is {$31000.00} when I add all my payments up. I just want answers as to why they aren't updating my credit information. Fair is fair and even tho I am making payments you are supposed to report them to all the credit bureaus

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 2024-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: Chime Financial Inc
State: LA

Complaint narrative:
On XX/XX/XXXX money was transfer from my accounts to an unauthorized email address for the total amount {$390.00}. Chime online banking is the company I bank with, I noticed the amounts was taken from my account and I called Chime to make a dispute and they denied my claim. I send screenshots from phone how my email was updated by email that wasnt my email. On XX/XX/2024 my direct deposit from my job was deposit and {$570.00} was transfer from an unauthorized email was taken from my account same incident and I made a dispute and it was denied, evidence were provided. I WAS SCAMMED!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I received an email that a card through PayPal was opened in my name without me applying for it. My only resolve was to close a PayPal account I opened 25 years ago. This business PayPal credit card has XXXX credit limit. PayPal did not check with any credit bureaus where all of my accounts are frozen to prevent fraud. I need this fraudulent card application deleted and the card account destroyed. I did not apply for this business credit card. Someone illegally applied under my name and the proper measures were not taken running a credit check with XXXX, XXXX and XXXX where all of my accounts are frozen

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 2024-02-15 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.

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 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Good Morning to all parties involved, According to the Fair Credit Reporting Act ( FCRA ), as outlined in 15 USC 1681e ( b ), consumer reporting agencies are responsible for providing maximum accuracy when reporting consumer information, however my consumer report has several inaccuracies that I have attached below. In addition to that late payments are considered transactions due to the late fees that are associated with credit cards & according to 15 U.S. Code 1681a 2 ( A ) ( i ) consumer reports should not include information pertaining to any transactions or experiences between the consumer and the originator of the report. If this is the case, late payments that I am not responsible for should definitely not be reported on my consumer report! I am aware of several other consumer rights that have been violated and I am prepared to settle for civil liability damages that I have suffered as a result of your violations. Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I ask that any late payments associated with [ Comenity Capital Bank associated with Ulta for the month of XX/XX/2023, XX/XX/2023 & XX/XX/2023, XX/XX/2023 and XX/XX/2023 ] be updated to paid as agreed on time and NOT DELETED so the account can remain active. Thank You! Please see the attached screenshot to view the late payments and inaccuracies that I am disputing. Your cooperation in this matter is crucial to ensure the accuracy of my credit report and to safeguard my rights as a consumer under the FCRA. I appreciate your prompt attention to this dispute and look forward to a resolution in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 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: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 ( section 604 A section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I sent a debt validation to for specific debts found on my credit report with the three bureaus and XXXX is the only one who responded. XXXX and Experian has not. I have a tracking number showing when I mailed the method of verification letters. And I received an updated credit report from all the bureaus. XXXX was unable to produce their method of verification so they deleted the XXXX XXXX XXXX account and XXXX XXXX and XXXX and Experian didnt show me their method of verification but stated that the companies have certified the accounts as accurate and correct. They have not fulfilled the duties asked for them and are violating my rights. 
XXXX tracking number : XXXX Experian tracking number : 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 2024-02-15 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: NC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX M Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX  XXXX Date of Inquiry 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 2024-02-15 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: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.

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 2024-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
I called the bank to open a merchant dispute and is impossible to speak with someone without SSN, the automated system gets crazy without that number. 

I made a purchase at XXXX XXXX on XX/XX/XXXX for an ammount of {$90000.00}. The purchase was in person at the store but the merchant didnt have the Laptop XXXX on stock at that place, so they will send it to my house and I should received no later than XX/XX/XXXX. 
The merchant never provided a tracking information, delivery confirmation or any shipment information to know the status. the merchandize never arrived to my house, I tried to contact them many times by the website without getting any answer from them. I cant go to the store in persone because I moved to another city.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 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: NC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Date of Inquiry 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 2024-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I have received a call from a blocked number ; I was told that I was being sued in a civil court due a credit card balance owed from XXXX. When I told them statute of limitations was expired in 6 years ( XXXX  ) they started using threatening words and I was given a number to call. They claimed to be an attorneys office XXXX ( XXXX ) XXXX. When I call they had the same exact attitude as the first caller. Threatening with a lawsuit ( they told me that they already filed a lawsuit ) and putting liens against my house. I believe the collection agency 's actions constitute harassment and violated my rights,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Good Morning to all parties involved, According to the Fair Credit Reporting Act ( FCRA ), as outlined in 15 USC 1681e ( b ), consumer reporting agencies are responsible for providing maximum accuracy when reporting consumer information, however my consumer report has several inaccuracies that I have attached below. In addition to that late payments are considered transactions due to the late fees that are associated with credit cards & according to 15 U.S. Code 1681a 2 ( A ) ( i ) consumer reports should not include information pertaining to any transactions or experiences between the consumer and the originator of the report. If this is the case, late payments that I am not responsible for should definitely not be reported on my consumer report! I am aware of several other consumer rights that have been violated and I am prepared to settle for civil liability damages that I have suffered as a result of your violations. Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I ask that any late payments associated with [ Comenity Capital Bank associated with XXXX for the month of XX/XX/year>, XX/XX/year> & XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year> ] be updated to paid as agreed on time and NOT DELETED so the account can remain active. Thank You! Please see the attached screenshot to view the late payments and inaccuracies that I am disputing. Your cooperation in this matter is crucial to ensure the accuracy of my credit report and to safeguard my rights as a consumer under the FCRA. I appreciate your prompt attention to this dispute and look forward to a resolution in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Improper use of accounts, identity theft not mines

Company response to consumer: Closed with explanation