vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: FL

Complaint narrative:
I want to reopen my case which was XXXX XXXX first of all I was never given an opportunity to answer back before they closed my case. I have more than enough proof to show that Im still missing {$100.00}. When I opened up the dispute it was {$230.00}. Yes they did pay me back the XXXX. But XXXX still missing XXXX charges that I will show you in my account that they went ahead and paid those fraud people. that is a total of {$100.00} that is still owed to me. That equals all together {$230.00}. I have no need to lie or be accused of lying. I only want what is mines and what is mines. I work too hard for my money and I will be damned if somebody will take my money from me. They are lying and if I have to go to court, I will go to court and file a lawsuit. I have already spoken to an attorney and they think I have a very good case. XXXX not threatening, but XXXX just saying what I need to say. XXXX XXXX XXXX XXXX. I dont need this kind of harassment and hassle in my life, I will show you the attachments exactly what they owe me. Who are they to choose and pick what they owe me. On XX/XX/XXXX I opened up my dispute with all those charges that equal {$230.00}. They just chose to pay me just {$120.00}. They still owe me the {$100.00} that I will show you that they paid that fraud company or whoever those people were be nice is somebody will give me the opportunity before they close my case. If they would take the time to go into my account, they will see exactly what XXXX talking XXXX have copies of it all. I would appreciate next time if I can have the opportunity of explaining myself before my case is closed. Not always do the company have the correct answer as you can see thank you XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
the scammers of paypal did block my payout just after I had received funds to my paypal fundraiser https : XXXX after half a year I still have no access to my funds but even worse they locked me out completely from my account. I can not login with my password or email. they prompt a message we keep you safe!!!!! hahahhaa they keep safe my money to them selves!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I applied for a loan, the loan company showed me on the screen where it says my equifax report is frozen. When i log into my equifax account it shows its not. I called equifax it was confirmed by representative that its not frozen. 2. I applied for a credit card and was denied because it came back from equifax no credit beureu file for the applicant. Thats also incorrect. The eiquifax representative told me there is nothing they can do that its not frozen and all my information is accurate. I was told by the loan company i was trying to use that they had this issue before and the individual had to use some federal site to get help. When i asked the equifax representative about that, he said there is nothing that can be done. I just need my credit file to be able to be accessed by lenders!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA

Complaint narrative:
I have a savings account wherein Citizens Bank randomly started to take money out in the form of monthly fees so that my savings account actually got smaller rather than larger, and over the years has dwindled to nothing. They also cut the interest rate being paid to way below what they were paying even though interest rates have gone up significantly! I dont know how many years it has been going on as they only have been able or willing to see back 18 months. My account went from hundreds of dollars to {$5.00}!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX account belong to entity appears on personal credit in error and without my consent and must be removed.

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 2023-12-02 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: FL

Complaint narrative:
XXXX XXXX account belong to entity appears on personal credit in error and without my consent and must be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-02 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: TX

Complaint narrative:
I recently checked my consumer profile Theres a Hard Inquiry on EXPERIAN for Resident Verify on XXXX which is fraud and misuse of my personal information THIS IS MY SECOND REQUEST on this matter EXPERIAN is complying to my report of fraudulent this has cost me aggravation and cost me $ XXXX or they leave me know choice to move towards LITIGATION I need this removed immediately this is fraud thanks.

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 2023-12-02 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:
XXXX XXXX account belong to entity appears on personal credit in error and without my consent and must be removed.

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 2023-12-02 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: MD

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 non-monetary relief
Consumer complaint received 2023-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: GOLDMAN SACHS BANK USA
State: OH

Complaint narrative:
This is my fifth complaint against these people yet nothing is ever done about it. Im writing again due to three charges on my credit card account that i need credit for two were fully returned to the merchant and the other one was a cancelled order..first Home Depot in the amount of {$180.00} i had placed severall orders with Home Depot one of which was cancelled due to supply issues. The order was cancelled i never recived the merchandise but was told that a refund would be issued which it never was. I have sent documantation over severall times only for Apple card to say i didnt submitt enough documantation. What more do they need i sent the svreenshot showing the order was cancelled. The second order in the amount of {$170.00} from XXXX I uploaded documents showing that the merchandise was returned to XXXX and that they refunded me but on my apple statement it shows refund denied. The third charge {$240.00} the merchant issued a partial refund of {$210.00} but not the whole thing i returned the whole order back to them. I nedd the remaning balance refunded back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I contacted XXXX  XXXX last year about two payments in the amount of {$1500.00} and {$800.00} that were made to XXXX XXXX XXXX of XXXX NY to complete a job and merchandise but never received it. XXXX XXXX refused to investigate the incident thoroughly and advised that I should contact XXXX 's XXXX, Chase in-order to get my funds returned. I did so but never received any response from Chase. After a months and month of contacting XXXX XXXX for an update they were unable to provide an update. I would like my funds in the amount of {$1500.00} taken out of my account on XX/XX/2022 and {$800.00} taken out on XX/XX/2022 returned to my account after an investigation conducted with Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 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: AZ

Complaint narrative:
Dear TransUnion I see that you verified the account listed below : XXXX XXXX  : Account number : XXXX, Monthly payment amount is not consistent per bureau. Can you delete this ASAP and send me and update. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.

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 2023-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
scammers!!!! they are incredible doing everything to keep you in verification loops so you can not get your funds! 
I have received money to my paypal fundraiser! I dont want to keep the money in paypal but they ARENT LETTING ME WITHDRAW TO MY BANK! THEY KEEP ME IN CRAZY VERIFICATION LOOPS. NOW THEY WANT ME TO USE MY PHONE TO ULOAD MY ID! THIS IS MAD I DO NOT HAVE A XXXX XXXX! THERE IS NO OTHER WAY TO UPLOAD ID DOCUMENT! SUPPORT IS SENDING GENERIC MESSAGES! COPY PASTE! ITS JUST A LOOP FOR THIS SCAMMERS TO NOT PAYOUT FUNDS!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have called and sent documentation via mail requesting to update and delete inacurrate information showing on my consumer report : Including names, addresses, and accounts that show incorrect personal information. My information was updated incorrectly without confirmation with me. Disputed accounts also not properly investigated and or resolved.

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 2023-12-02 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: CA

Complaint narrative:
Dear TransUnion I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : U.S. Bankruptcy Court : Account number : XXXX, Inaccurate. Fix the account number and send a full report. 

XXXX | XX/XX/ : Account number : N/A, Inaccurate. Fix the account number and send a full report. 

XXXX/DOFED : Account number : XXXX, Inaccurate. Fix the account number and send a full report. 

XXXX/DOFED : Account number : XXXX, Inaccurate. Fix the account number and send a full report. 

XXXX/DOFED : Account number : XXXX, Inaccurate. Fix the account number and send a full report. 

XXXX/DOFED : Account number : XXXX, Inaccurate. Fix the account number and send a full report. 

XXXX XXXX XXXX | XX/XX/ : Account number : N/A, Inaccurate. Fix the account number and send a full report. 

XXXX | XX/XX/ : Account number : N/A, Inaccurate. Fix the account number and send a full report. 

XXXX XXXX | XX/XX/ : Account number : N/A, Inaccurate. Fix the account number and send a full report. 

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 



Thanks.

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 2023-12-02 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: NV

Complaint narrative:
XXXX payment, paid in full. Im only 18 days past due for XXXX payment. Please correct payment status for XXXX XXXX XXXXXXXX XXXX auto loan.

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 2023-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XXXX payment, paid in full. Im only 18 days past due for XXXX payment. Please correct payment status for XXXX XXXX XXXX XXXX XXXX loan.

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 2023-12-02 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: MD

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-02 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: CA

Complaint narrative:
Dear Equifax I see that you verified the account listed below : XXXXXXXX XXXX XXXX : Account number : N/A, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
THIS IS NOT A DUPLICATE COMPLAINT. IT IS A FOLLOW UP WITH ADDITIONAL QUESTIONS. 

IN MY PRIOR COMPLAINT XXXX, TD BANK SAID THERE WAS A SERIOUS DELINQUENCY WHICH LED THEM TO REDUCE THE CREDIT LIMIT FOR MY ACCOUNT ENDING IN XXXX. THERE IS CURRENTLY NO DELINQUENCY WITH ACCOUNT XXXX. I DEMAND TD SPECIFICALLY STATE WHICH DELINQUENCY IS BEING REFERRED TO. THERE IS NOT EVEN A BILLING ERROR DISPUTE FOR ACCOUNT XXXX AT THE MOMENT. 

MY CURRENT CREDIT PROFILE LISTS VARIOUS DISPUTES WHICH ARE STILL IN PROGRESS, THERE IS ALSO A SECURITY FREEZE AND AN IDENTITY THEFT ALERT IN PLACE WHILE THESE ISSUES ARE BEING RESOLVED. 

TD CLAIMS THEY ARE REQUIRED BY LAW TO REPORT TO THE CREDIT REPORTING AGENCY HOWEVER THAT IS FALSE.

ACCORDING TO THE LAW : 15 USC 1681a ( 2 ) ( B ) : ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; An exclusion means it should NOT be listed. A credit card is defined under the Truth in Lending Act or 15 USC 1602. In Definitions and rules of construction, the law clearly states : ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 

ALSO ACCORDING 15 USC 1681b ( 2 ) - permissible purposes of consumer reports : ( A ) IN GENERAL SUBJECT TO SUBSECTION ( C ), ANY CONSUMER REPORTING AGENCY MAY FURNISH A CONSUMER REPORT UNDER THE FOLLOWING CIRCUMSTANCES AND NO OTHER : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I repeat and reiterate that I NEVER gave TD or any other agency written permission to furnish information about this account on my consumer credit report. 

In USC 1681a - Definitions ; rules of construction, specifically 15 USC 1681a ( 2 ) ( A ) ( i ), we see : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Clearly, exclusion means something that is not supposed to be included. 

So, the law states that transactions or experiences between the consumer and the person making the report in this case TD are not supposed to be included in a consumer report, so TD is not obligated to report anything about account XXXX. 

TD 's violations are excessive and lead way to civil liability against under 15 U.S. Code 1681n which is civil liability for willful noncompliance and 15 USC 1681o which allows for civil liability for negligent noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/XXXX there was an account opened for XXXX that I did not open from XXXX pay line of credit. I have disputed and reporting it as fraud.

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 2023-12-02 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: AZ

Complaint narrative:
Dear Equifax I see that you verified the account listed below : XXXX XXXX : Account number : XXXX, Monthly payment amount is not consistent per bureau. Can you delete this ASAP and send me and update. 

XXXX XXXX  : Account number : XXXX, Monthly payment amount is not consistent per bureau. Can you delete this ASAP and send me and update. 

XXXX XXXX  : Account number : XXXX, Monthly payment amount is not consistent per bureau. Can you delete this ASAP and send me and update. 

XXXX XXXX  : Account number : XXXX, Monthly payment amount is not consistent per bureau. Can you delete this ASAP and send me and update. 

XXXX XXXX : Account number : XXXX, Monthly payment amount is not consistent per bureau. Can you delete this ASAP and send me and update. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.

Company response to consumer: Closed with explanation