vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I initially opened the account brand new and received one payment of {$120.00}. I was then notified my venmo that my account was restricted after attempting to use my debit card. Venmo requested that I submitted documentation verifying my identity such as my ID. The account was successfully recovered afterwards .... However in less than 24 hours the account was frozen again and I was instructed to submit documentation again. I submitted the documentation exactly as I was instructed and unfortunately the company refused to release my funds. I was then told that the account was suspended due to a violation of the company guidelines. Ask how did I violate any guidelines when the account was newly open and no transactions were processed outside of a deposit. The representative then proceeded to tell me that I could not have the account recovered based off of the information given. The information was true and accurate and also verifiable. I have found a complaint with the XXXX XXXX XXXX as well and continuous ly reached out to the company regarding this matter. I was given incorrect information on the executive level of PayPal primary companies for venmo. I am still attempting to resolve this matter but I have received very unconcerning responses disregarding this. My family I are currently going through a hardship and this has been a humiliating experience. I simply would like to submit whatever it is needed and have my funds released to me because there is no explanation directly as to why this company is holding my money!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am writing to express my dissatisfaction with the handling of a recent promotional offer related to the opening of a Relationship Checking Account with your institution. The promotion in question promised a {$500.00} reward for customers who opened a Relationship Checking Account and deposited {$7500.00} via direct deposit, with the reward to be credited within 10 days from the end of the tracking period. 

I completed all the necessary steps to qualify for this offer, including the timely deposit of {$7500.00} via direct deposit. During my communications with your customer service representatives, I have been repeatedly assured that I have met all the requirements for this promotion. Despite this, the {$500.00} reward has not been credited to my account, even though I was informed that the tracking period closed on XX/XX/XXXX, and the reward should have been credited by now. 

Every time I have contacted customer service, I have been told that the issue is still " in progress, '' without any clear explanation for the delay or a concrete timeline for resolution. This lack of transparency and accountability is deeply frustrating, especially considering the clear terms of the promotional offer. 

I request immediate action to resolve this issue and have the {$500.00} reward credited to my account without further delay and an additional compensation of {$200.00} for not following the terms of their own promotion. Additionally, I would appreciate a written explanation for the delay and the steps being taken to ensure that such issues do not occur in the future. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution.

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 monetary relief
Consumer complaint received 2024-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Skrill USA, Inc.
State: CA

Complaint narrative:
Skrill never sent a {$2900.00} refund of my checking balance after they closed my account!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in 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 2024-08-20 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 am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
XX/XX/year> denied for insufficient credit history and score which under the Equal Opportunity Act is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 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: IL

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in 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 explanation
Consumer complaint received 2024-08-19 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: MI

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 privacy.

15 U.S.C.1681 section 604 A section 2, states a consumer reporting agency can not funish an 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 OTHERADVERSE ITEM OF INFORMATION, OTHER THAN RECORDS OF COVICTIONS AND CRIMES WHICH ANTEDATES THE REPORT BY XXXX YEARS 15 U.S.C. 1681S- 2 ( A ) ( 1 ) aa 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

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 2024-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: CA

Complaint narrative:
I received XXXX promotion emails, the first XXXX dated XX/XX/XXXX and the second on XX/XX/XXXX, along with an App notification from Chime ( XXXX XXXX XXXX  ). The promotion offered me, as an existing customer, to switch my direct deposit to my checking account with them by XX/XX/XXXX, and receive the second and third direct deposits, each within XXXX  days of each deposit, to get {$30.00} credited to my account. I completed all the required steps by switching my direct deposit and receiving the deposits of {$210.00} on XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, etc. However, I have not yet received the promised bonus. 
After providing the details to Chime, they asked me to provide screenshots of the email that they sent to me ; in one of their email, they admitted that I should have received the bonus and asked me to contact their customer service to apply the bonus, however, after many call their customer service starts from step one ask me to provide the details and screenshot again and again in a non-ending loop and make false excuses, and does not apply the bonus. One of my case numbers with them is XXXX. However, they closed the cases after a while without any resolution or details provided to me. 
It appears the company uses false advertising to entice the customer to switch their direct deposit without fulfilling their promise.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have requested a credit report from TransUnion be mailed to my home for the past XXXX month and have not received it. I have called them, used the chat service, I tried requesting it the website, and I have even tried XXXX XXXX XXXX XXXX. I have been told it is unavailable on all platforms. This a major issue because they are not allowing me to see the information, they are sharing about me to everybody else. IT IS ALSO AGAINST THE LAW!!!!!!!! They have restricted my TransUnion account because i have been disputing the numerous Amount of inaccuracies. And now i can't even get through on the phone.

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 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I do not know this company called XXXX XXXX. I think these people are fraudulent or someone XXXX XXXX XXXX or put other peoples accounts under my name. This one is for {$100000.00}. There is no financial aid officer giving out that kind of money. Nor did I apply for it and nor did I receive it.

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 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I do not know this company called XXXX XXXX. I think these people are fraudulent or someone XXXX XXXX XXXX or put other peoples accounts under my name. This one is for {$100000.00}. There is no financial aid officer giving out that kind of money. Nor did I apply for it and nor did I receive it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I do not know this company called XXXX XXXX. I think these people are fraudulent or someone XXXX XXXX XXXX  or put other peoples accounts under my name. This one is for {$100000.00}. There is no financial aid officer giving out that kind of money. Nor did I apply for it and nor did I receive it.

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 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC
State: OR

Complaint narrative:
Our home mortgage loan was initiated by XXXX in 2013. This mortgage has changed service providers multiple times over the past XXXX  years. In XXXX  2024, we were notified that our loan was now being serviced by Shellpoint Mortgage Servicing. In XXXX I received a notification that my credit score had dropped XXXX points. The reason for this sudden change was noted on my credit report as a reported increase of my mortgage balance of {$130000.00}. This {$130000.00} is a deferred amount that is not due and payable until the maturity date of the loan which is on XX/XX/XXXX as outlined in our mortgage loan contract. Shellpoint is the ONLY service provider to unlawfully report this amount. We asked them to reverse this reporting and they declined. We want this amount taken off our credit report and reported in XXXX when it becomes due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Payment history for this account is inaccurate on my credit report. I have provided a copy of my credit report that show this error. This is not being corrected by Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On ( XXXX ), I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over XXXX  days later, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. 

Section 611 ( a ), it is plainly stated that a failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report. It has been over XXXX  days so they should be deleted promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: AK

Complaint narrative:
On XX/XX/24 I went to get pre approved for a loan and my credit report was pulled. XXXX and XXXX reported a credit score and listed the credit cards I am an authorized user on. However, Experian listed no score or credit cards. I attempted to contact the company to remedy the issue but was unable to reach an actual person and the automated assistance options were unable to help me. I was unable to file a dispute with Experian since the company stated I had no accounts. I then contacted XXXX XXXX which the credit card I am an authorized user on is issued from. XXXX XXXX advised that I reach out to experian directly ( which I already did ) and stated that they report all information to the XXXX credit bureaus. There is no way to contact Experian and I am unable to get pre approved until this issue is remedied.

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 2024-08-20 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: FL

Complaint narrative:
I am writing to request the removal of certain information from my file. The items in question are listed in the report I have provided. I am a victim of XXXX XXXX and did not make the charges in question. I have reported the XXXX  to the Federal Trade Commission and have enclosed copies of the XXXX XXXX Affidavit. 

Please delete these items from my credit report as soon as possible. 

Thank you for your prompt attention to 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
Consumer complaint received 2024-08-19 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: PA

Complaint narrative:
I've been trying to understand why my credit applications keep getting turned down, and I was shocked to find out that my credit report contains numerous inaccuracies and false information. Dealing with these errors has been incredibly stressful and has had a significant impact on my 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 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following 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 2024-08-19 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: TX

Complaint narrative:
My account with 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 60 days 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.

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 8

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: VA

Complaint narrative:
In violation of both FCRA and FDCPA, I never received any notice of this alleged debt, with all of the required components, or of my right to dispute. However, as of XX/XX/year>, this alleged and fraudulent collection account was reported to my credit report. I do not owe this debt or any debt to National Credit Adjusters , LLC, or to any third party, National Credit Adjusters , LLC is stating to represent. I was a victim of identity theft and had a plethora of accounts fraudulently opened in my name. I have enclosed a copy of FTCs id theft report to this letter. As it is apparent that this alleged account was opened fraudulently, it is unconscionable that National Credit Adjusters , LLC chose to initiate credit reporting and collection efforts, without giving me my legal right to dispute. Per FCRA and FDCPA, all reportable information has to be true and accurate prior to reporting. National Credit Adjusters , LLC has failed to follow the law and has taken adverse action against me and my credit report, by placing a collection account on my credit report, which was opened by way of fraud, without giving me proper notification and my right to dispute. 

As such, I formally request that all adverse information placed against my credit report is removed immediately upon receipt of my documentation, and that further collection activities are ceased. By means of this letter, National Credit Adjusters , LLC is notified that should adverse information remain on my credit reports, and if collection activities continue, appropriate legal action will be taken.

Company response to consumer: Closed with explanation