vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
XX/XX/XXXX PayPal debit card was used to make a purchase for goods or services from XXXX XXXX in the amount of {$95.00}. I did not lose my card nor authorize thus purchase. I contacted them immediately upon discovering the fraudulent transaction and began the appeal for the charges. On XX/XX/XXXX PayPal informed me that XXXX XXXX had informed them that I had received a package and provided the following tracking number : XXXX This tracking number is from XX/XX/XXXX, not from any order in XX/XX/XXXX and not any order I have placed. I have contacted XXXX XXXX and PayPal repeatedly and they don't seem to have internal processes to resolve this issue and I suspect the fraud is coming from within. XXXX XXXX denies every shipping anything to me. I have screen shots of our discussion via XXXX  formerly known as XXXX XXXX after I took my issue there.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-13 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: IL

Complaint narrative:
I am writing to dispute a late payment entry on my credit report that appears to be incorrect.

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 2024-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy.

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 2024-03-13 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: OH

Complaint narrative:
I am writing to dispute a hard inquiry listed on my credit report that I believe is unauthorized. The inquiry appears on my report and I have no recollection or authorization for this inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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: TX

Complaint narrative:
Upon reviewing my TransUnion, XXXX and XXXX credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.

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 2024-03-13 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: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccurate information : 1. The inquiry was not authorized BARCLAYS BANK DELAWARE Inquiry Date : XX/XX/2024 Please remove this inaccurate information from my credit report. 
2. The inquiry was not authorized XXXX XXXX Inquiry Date : XX/XX/2024

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 2024-03-14 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: NY

Complaint narrative:
I try to use my Amex gift card to buy necessities but card always gets declined when I have enough funds in the gift card. I was only able to buy XXXX purchase but after that card keeps getting declined every place I go.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act and XXXX Account # XXXX. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING Account Name : XXXX XXXX XXXX Account Number : UNKNOWN THIS has violated my rights. 15 U.S.C. 1681 section 602 A states I have the right to privacy. 15 U.S.C. 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

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 2024-03-13 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: IL

Complaint narrative:
I am writing to dispute certain inaccuracies on my credit report. I have carefully reviewed the provided by your bureau, and I have identified several discrepancies that require your attention and correction.

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 2024-03-13 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: CrossCountry Mortgage LLC
State: NJ

Complaint narrative:
Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccurate information : 1. The inquiry was not authorized XXXX XXXX XXXX Inquiry Date : XX/XX/year> Please remove this inaccurate information from my credit report. 
2. The inquiry was not authorized XXXX/CROSSCOUNTRY MORTGAGE Inquiry Date : XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Every time I call Citibanks toll free number to check the status of my credit card payments, I encounter problems with the interactive voice response system ( IVR or automated system ). The IVR understands what Im requesting because it responds I understand you want to speak with a customer service agent but then continues to ask unnecessary questions. How many times do I have to keep asking the IVR to transfer to an agent? The specific questions I have are too complex for the IVR to assist. If you dont press the correct prompts in the right order or by a certain allotted time, Citibanks IVR will deliberately disconnect on the consumer. The IVR will say thank you for calling Citibank, good bye. This is egregious. Its inappropriate to disconnect on a consumer. The consumer called for assistance. I have been disconnected by the IVR on innumerable occasions. This is not a one time isolated event. This is a pattern and practice for years.

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 2024-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
Consistently, I've made sure payments on this account are always on time, avoiding any instances of overdue payments. I'm uncertain about the reasons behind reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be rectified.

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 2024-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Consistently, I've made sure payments on this account are always on time, avoiding any instances of overdue payments. I'm uncertain about the reasons behind reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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: IL

Complaint narrative:
According to FCRA 605B, it's necessary for us to eliminate any erroneous accounts from my credit report. Could you kindly review the documents? I'm feeling unsettled due to the inaccuracies in some of 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 2024-03-13 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: IL

Complaint narrative:
Kindly eliminate these inquiries. I lack any knowledge concerning them, and the company proceeded without my consent.

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 2024-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
In XXXX of 2022 my account was restricted and my account was sent over to review from Capital One Bank left my account null and inactive in duty showing imprisonment fines for unpaid fee of reversed mortgage from tax liens the IRS and suspended 3 accounts XXXX Capital One Bank and XXXX XXXX XXXX Also filed a XXXX  XXXX data breach bankruptcy with XXXX XXXX. So upon looking at the account we have a XXXX reversed mortgage hacked database that caused a XXXX  XXXX bankruptcy and want to contact the bank to make a claim of XXXX proof of claim affidavit from Capital One Bank that our account was ID stolen and sent our records to review to have us arrested. I ask to remove the restrictions and follow up with the claim with my bank account numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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: EQUIFAX, INC.
State: MA

Complaint narrative:
While checking my credit profile I seen that there was some inquiries that are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-03-14 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
The TJX Companies , Inc. 
XXXX XXXX XXXX XXXXXXXX, MA XXXX Dear sir, Today, I tried to use my reward certificate of your company, which number was XXXX with one djembe drum of XXXX priced originally {$49.00} but changed the clearance price {$3900.00}. However, I could not use this certificate and was told by a casher to call the office and tell the number. However, as I have already reported to your company the same issue, which my two certificates were unusable, I have decided to write a letter to complain this issue. I would like your company to explain why the incidents which I continuously receive the unusable gift certificates, even though your company states to give the certain rewards, which were unusable. I beseech to check the following certificates which I could not use at one of your shops : XXXX XXXX XXXX ( XX/XX/year> ) Since having mentioned in the letter of XX/XX/XXXX of XXXX, your company credit card issuer employee, XXXX XXXX XXXX, senior client affairs specialist of Synchrony Bank, stated to add XXXX points into my credit card reward and would issue {$20.00} rewards certificate next billing time, I request the mishappen amount of today, {$10.00}, also should be added to my next billing time. Therefore, I should receive extra {$30.00} reward certificates more. 
I seriously regret the happening today, that I have not been able to use my {$10.00} reward certificate to buy at your shop, XXXX XXXX, XXXX XXXX XXXX, XXXX Rt XXXX, XXXX, NJ XXXX to get Djeme drum made in XXXX, which usually cost about {$110.00}. I wanted to get one last summer at the street fair. That one was beautifully painted by the artist, and I immediately thought it was so expensive since I could not sell so much. My drum has such a pretty painting on the body and the casher, and I chatted pleasantly because it was so cute and made us so happy. She told me it must be joyful to play at nighttime. 
Sincerely,

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 2024-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
I am a customer of Truist, and have been since XXXXXXXX XXXX XXXX I have had large paychecks direct deposited with no problem, but my last check was a physical printed check for over {$6000.00} from a company I contract for. They immediately froze the funds then today, locked me out of the account completely leaving me stranded and unable to purchase gas in a dangerous area. They said its an administrative hold. 

There is nothing fraudulent about me, my account, this printed check ( from a company thats been around for over 25 years ) and is through XXXX  XXXX XXXX. But I am treated to feel as though I did something wrong. 

This is unacceptable and has put me in a dangerous situation.

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 2024-03-13 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:
XXXX is leaving my account in a delinquent status since XX/XX/2023 despite being paid as agreed. They are showing the account as delinquent 30 and it is hurting my credit scores. This is violation of US Court of Appeals, Ninth Circuit, No. 00-15946, Nelson vs. Chase Manhattan XXXX This should be immediately corrected and as such they should remove all late payment history from my account.

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 2024-03-13 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:
XXXX is leaving my account in a delinquent status since XX/XX/2023 despite being paid as agreed. They are showing the account as delinquent XXXX and it is hurting my credit scores. This is violation of US Court of Appeals, Ninth Circuit, No. 00-15946, Nelson vs. Chase Manhattan . This should be immediately corrected and as such they should remove all late payment history from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 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: CA

Complaint narrative:
XXXX is leaving my account in a delinquent status since XX/XX/2023 despite being paid as agreed. They are showing the account as delinquent 30 and it is hurting my credit scores. This is violation of US Court of Appeals, Ninth Circuit, No. 00-15946, Nelson vs. Chase Manhattan . This should be immediately corrected and as such they should remove all late payment history from my account.

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 2024-03-13 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: MD

Complaint narrative:
I am writing to dispute a hard inquiry listed on my credit report. I have no association with the listed creditors and did not authorize this 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
Consumer complaint received 2024-03-13 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:
I have not applied for any credit, loan, or service from the creditor listed above during the specified date. This unauthorized inquiry is inaccurate and negatively impacts my credit score.

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 2024-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
To the Credit Bureaus regarding discrepancies in my credit report, After conducting a thorough examination of my credit report, I encountered significant distress upon discovering numerous unverifiable, invalidated, inaccurate, and questionable items that your agency failed to ensure were accurately reported. According to 15 U.S. Code 1681e ( b ), which mandates consumer reporting agencies to utilize reasonable procedures for ensuring the utmost accuracy of individuals ' information, it is evident that your obligations in this regard have not been fulfilled.

I understand that under 15 U.S. Code 1681i ( 5 ), which specifically addresses the handling of inaccurate or unverifiable information, consumer reporting agencies are required to promptly delete or amend such information upon confirmation of its inaccuracy or inability to be verified. Furthermore, they must notify the information provider of any alterations or deletions made. Failure to provide verifiable evidence within 15 days following the investigation necessitates the removal of the accounts and/or information specified below.

In accordance with 15 U.S.C. 1681i ( 7 ) regarding the method of verification, it is evident that the following accounts lack valid evidence and are therefore in violation. Kindly take the necessary steps to remove them from my credit report : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Thank you for your prompt cooperation in addressing this matter.

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