vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-16 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:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

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 2024-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
XX/XX/year> ( Sunday ) I attempted to transfer XXXX $ from my Venmo account to my bank account. Venmo had an " error transferring '' message. 
I waited until Monday to call my bank, which verified the issue is not on their end it was on Venmo side. 
Now I attempted to call customer service but was unable to speak to a human unless I chose the " fraud '' option. So I lied and chose that option. 

At which time I was told so sorry but I cant approve the transfer and venmo doesn't tell us why. So I ask, ok well how shall I get my money? The Customer service rep. then told me he was not sure, so I then waited on hold for over ten minutes for a manager. 
Still no resolution. If I email I have to wait for a reply, no one helps at customer service, and chat is AI This can't be legal? It's my money

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 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: AL

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. I recently looked at my XXXX credit report on XX/XX/year>, and noticed some things are not accurate. And according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

XXXX has deleted XXXX XXXX XXXX XXXXXXXX from my credit report.

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 2024-07-16 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: FL

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-16 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: PENNYMAC LOAN SERVICES, LLC.
State: WA

Complaint narrative:
On XX/XX/year>, I contacted Pennymac about accessing some of my equity to do some repairs on my XXXX manufactured home with XXXX acres of property. Pennymac holds my current loan. I spoke with XXXX XXXX throughout the whole loan process. They charged {$650.00} for an appraisal. Many weeks later, I get a call. There is a delay on the loan until XXXX. A few days later she calls and Oh, I am sorry to tell you the loan was declined. It was declined because they don't do conventional loans on XXXX XXXX manufactured homes. So, now you have to apply again, submit all new current documents and we will try for an FHA loan. and that takes another appraisal. So, a different day, I speak with someone different at Pennymac. I talk to someone to help with this. She says .... let me check something. oh! Pennymac doesn't finance XXXX manufactured homes at all! Tough luck! Meanwhile, because I was assured my loan was going well, I scheduled some work done on my home. {$4000.00} + I paid it with my credit card, Maxing it out, knowing it would be paid off in XXXX! Now that my loan is not available, to pay off the bill. Now, my credit score has tanked XXXX points!! Who will finance me now? 
They finally refunded my {$650.00} for the appraisal! But what recourse do I have for my credit score? Pennymac needs to address my credit score problem they created with all the credit reporting agencies and make this right with me somehow. They are the subject matter experts about loans and they screwed me over royally with their ignorance of their own loan process! Now, not one person will return my calls from Pennymac. Hence this complaint!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Advanced Resolution Services Inc.
State: WI

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Upstart Holdings, Inc.
State: IN

Complaint narrative:
XX/XX/XXXX XXXX I completed the payment loan in full, on the year XXXX XX/XX/XXXX a payment was due and was paid on XX/XX/XXXX a 33 day late post something was wrong with the autopay with the updated banking account, I called to explain the issue but they didnt get the payment correct on their system update, I would like to please, please remove this off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
To file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding XXXX 's refusal to remove a charge off account based on the Fair Credit Reporting Act ( 15 USC 611 ), you can use the following template : Subject : Complaint Against XXXX for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against EQUIFAX for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 
Creditor Name : XXXXXXXX XXXX XXXXXXXX Account XXXX Date of Charge Off : XX/XX/year> Creditor Name : XXXX XXXXXXXX Account Number : XXXX Date of Charge XXXX Creditor Name : XXXX Account XXXX Date of Charge XXXX Creditor Name : XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Creditor Name : XXXX Account XXXX Date of Charge XXXX Creditor Name : XXXX  Account Number : XXXX Date of Charge Off : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
To file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding XXXX 's refusal to remove a charge off account based on the Fair Credit Reporting Act ( 15 USC 611 ), you can use the following template : Subject : Complaint Against XXXX for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against EQUIFAX for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 
Creditor Name : XXXX XXXX XXXXXXXX Account XXXX Date of Charge Off : XX/XX/year> Creditor Name : XXXX XXXXXXXX Account Number : XXXX Date of Charge XXXX Creditor Name : XXXX Account XXXX Date of Charge XXXX Creditor Name : XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Creditor Name : XXXX Account XXXX Date of Charge XXXX Creditor Name : XXXX  Account Number : XXXX Date of Charge Off : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 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: TN

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-07-16 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: IN

Complaint narrative:
My account with XXXX XXXX was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. This company never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-16 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:
Dear Equifax, I'm asking that you request from this creditor an copy of late payments that they say i have made! This is false information & i am asking that they can erase all of the inaccurate payment because it is wrong and defamation when it comes to my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-16 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: IN

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-07-15 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: NY

Complaint narrative:
My loan requests are being declined due to incorrect credit records. Despite fulfilling all my financial obligations, these inaccuracies have impacted my ability to secure loans and caused significant frustration.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-16 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: TN

Complaint narrative:
My account with ( XXXX XXXX XXXXXXXX ) was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX XXXXXXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
As of XX/XX/XXXX Barclay Bank of Delaware, reported on my credit report a credit card as a charge off. A 1099-c was not provided in reference to this account. 


Account name BARCLAYS BANK DELAWARE Account number XXXX Account type Credit Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$3.00}, XXXX written off. {$4.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$4800.00} Balance updated 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 2024-07-15 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:
XXXX XXXX XXXX XXXX  * opened : XXXXXXXX XXXX XXXX Is an account opened by Identy theft and XXXX XXXXXXXX is an inquiry made not by me!

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 2024-07-16 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:
I am filing a complaint against XXXX regarding their failure to properly validate and verify an account listed on my credit report. This complaint pertains to violations of my rights under the Fair Credit Reporting Act ( FCRA ). The account details are as follows : Account Name : XXXX Account # : XXXX Balance Owed : {$2000.00}

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 2024-07-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I have submitted multiple requests for assistance from my PNC Bank Relationship Manager XXXX XXXX. However, I have not received any response regarding my questions and concerns. Below you can see my most recent communication sent to her on XX/XX/year> at XXXX. 


XXXX, It seems to be that we have had quite a bit of miscommunication since we started working together. In recent months, the communications issues have gotten worse. 
Due to this, I have decided to submit a written request and point out the issues that I have with PNC, so that we can resolve them. 

The first issue is due to the " release of the collateral '' in the amount of approximately XXXX. Initially, I was advised by XXXX that the " lien '' would be released within XXXX years. ( we just started the XXXX year ). My first request to you to release the collateral was in XXXX of this year. At the time of the first request, you verbally advised that you would start the process. I was following up with you weekly ; however, I did not get much of the information of what is needed. On XX/XX/year>, you stated that we do need an appraisal, and supposedly, an appraiser has canceled the order, which is why the appraisal has not been scheduled. I followed up with you multiple times in XXXX to find out the status of the appraisal order ; however, I did not get any update from you. 
The issue that I have is that you advised in XXXX that the XXXX approved the " release of the collateral ''. I need a clear explanation as to why you needed an appraisal if the XXXX ( who guarantees the loan ) approved the release. 
The appraisal was scheduled on XX/XX/year> and completed on XX/XX/year>. I requested a copy of that appraisal from you on multiple occasions in writing on XX/XX/year> and XX/XX/year>. Also, I verbally requested a copy of the appraisal report multiple times. 
As of today XX/XX/year>, you still have not sent me a copy of the appraisal, and I was charged {$2600.00} for it without being able to review it. 

I am requesting the following : 1. To be sent a copy of the appraisal that has been completed on XX/XX/year> XXXX. I am requesting a copy of all of my loan documents and previous appraisals from 4 years ago. Due to Recordkeeping requirements, you should have the documents handy. 
3. Explanation in writing as to why I need an appraisal when XXXX has already approved the collateral release. 
4. If the appraisal was not needed, I need you to refund me the charge of {$2600.00} The second issue is regarding my XXXX XXXX XXXX XXXX XXXX ending in XXXX and the fact that I am getting charged a {$20.00} per month service fee and was not advised about those charges. I need the fees since opening the account refunded because I was not aware of those fees. This could be a Prohibited Sales Practice for which, as we all know, XXXX XXXX got in big trouble.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 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: LA

Complaint narrative:
I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/year> ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY 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