vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-31 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: IA

Complaint narrative:
I assert, under the penalty of perjury, as per United States laws, that the provided information is accurate to the best of my knowledge. I affirm my compliance with both FEDERAL and STATE LAW in initiating this dispute. I am aware that any deliberate misstatements or omissions of crucial facts can result in FEDERAL CRIMINAL VIOLATION, as outlined in 18 U.S.C. 1001, and perjury charges under 18 U.S.C. 1621. The XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX, entries on my credit reports are unrelated to any transactions I engaged in. I am reporting unauthorized use of my personal information, leading to the creation of accounts, which is currently under investigation by the FTC.

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 2024-01-31 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: IA

Complaint narrative:
I assert, under the penalty of perjury, as per United States laws, that the provided information is accurate to the best of my knowledge. I affirm my compliance with both FEDERAL and STATE LAW in initiating this dispute. I am aware that any deliberate misstatements or omissions of crucial facts can result in FEDERAL CRIMINAL VIOLATION, as outlined in 18 U.S.C. 1001, and perjury charges under 18 U.S.C. 1621. The XXXX XXXX, XXXX XXXX, and XXXX XXXXXXXX XXXX, entries on my credit reports are unrelated to any transactions I engaged in. I am reporting unauthorized use of my personal information, leading to the creation of accounts, which is currently under investigation by the FTC.

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 2024-01-31 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: TX

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed in document

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 2024-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
I trust this message finds you well. I am writing to appeal the permanent limitation imposed on my PayPal account, registered under the email address XXXX. I firmly believe this restriction has occurred due to a misunderstanding, as I am confident that I have not violated any of PayPal 's policies or engaged in any unauthorized activities. 

I have been a dedicated PayPal user for an extended period and have consistently complied with PayPal 's terms and conditions. Maintaining a positive and reliable relationship with PayPal is important to me, and I am fully committed to addressing any issues or concerns that may have led to this unfortunate situation. 

I kindly request that PayPal conducts a thorough review of my case, carefully considering the circumstances surrounding the permanent limitation of my account. I am confident that this review will reveal an error or misunderstanding. I am ready to provide any necessary documentation or information to support my appeal. Reinstating my PayPal account would not only alleviate my current financial inconvenience but also enable me to continue using PayPal for secure and efficient transactions, as I have done in the past. 

I sincerely appreciate your prompt attention to this matter and kindly request that you initiate the review process as soon as possible. If there are specific documents or details needed from my end to facilitate this process, please do not hesitate to inform me. 

Thank you for considering my appeal. I eagerly await a swift resolution of this issue and the opportunity to resume using PayPal 's services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
About 6 months ago I got a stipend check from my college for around XXXX dollars. As a new Citizenz bank client they said I had to wait 5 to 6 days. Now on Saturday I did something similar and I was told that since I am no longer a new client it would only take two days to clear. I was told this by two separate res at two separate time, one being yesterday. The company seems to be holding checks longer in order to inflate the amount they can lend at interest. Please look into any criminal actions found herein.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.

Complaint narrative:
I am writing to seek your assistance regarding a financial transaction that has remained unresolved for an extended period. This issue involves a transfer of funds between XXXX XXXX and Chase Bank, which has been pending since XX/XX/2023. 

Transaction Details : Sender 's Bank : XXXX XXXX XXXXXXXX XXXX XXXX  : Chase Bank XXXX : {$1000.00} USD Date of Transaction : XX/XX/2023 Confirmation Number : XXXX The transaction was initiated by my friend, who is a customer of XXXX XXXX, intending to transfer {$1000.00} to my account at Chase Bank. Despite the lapse of a considerable time since the initiation date, the status of this transaction remains 'pending. ' As a result, the funds have not been credited to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: NC

Complaint narrative:
I checked my credit reports from all three bureaus on XX/XX/XXXX, and I noticed inaccurate information being reported on my reports. According to the US 1581, i All the information on my reports must be accurate, or you must delete these accounts and data from my reports. The following accounts are not reporting accurately not XXXX XXXX XXXX is reporting 30 days late on XX/XX/year> for Transunion and XXXX but paid on time to XXXX XXXX 
XXXX is showing late XX/XX/year> for XXXX but paid for Transunion, and late XX/XX/year> on Transunion but paid for XXXX. How can this be? There is a violation here, and this needs to be deleted, as I was never late on these accounts. I will also be filing a lawsuit against Transunion XXXX and XXXX unless these accounts are made right to show paid on time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31 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: CA

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e 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 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the XXXX  Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: MA

Complaint narrative:
Please file this new information with a previously filed ongoing complaint. I have received a new email from the merchant in which he describes in greater specificity what he requires in order to be satisfied. The merchants email reads : XXXX, I have again attached all the paperwork related to this claim. It clearly shows the money was removed XX/XX/XXXX. This was done three days after you and I had concluded our talks. As of today, that money was never put back. The bank can show, say anything they like but until that money is returned to me this matter remains open. When your bank shows you, they returned {$630.00} to me any time after XX/XX/XXXX then I will be satisfied. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: TX

Complaint narrative:
I am reaching out because I am looking for assistance in getting a missing tradeline posted in my Experian credit report. XXXX XXXX has reported a rental tradeline to Experian but yet is not showing on my credit report I have sent them all the information, and conversations with boom pay to get this posted but yet have no results. The rental tradeline should have appeared on my credit report after they submitted the encrypted file to Experian but yet is still missing

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 2024-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: OH

Complaint narrative:
PLEASE REFER TO COMPLAINT ID : XXXX FOR SUPPLEMENTAL INFORMATION. 

As noted in my previous complaint : In the latter half of XXXX I was approached by Weltman, Weinberg & Reis, LPA, who informed me that they were acting to collect a credit card debt from XXXX XXXX. My request for Debt Validation was ignored, and on XX/XX/XXXX I was contacted by a law firm asking to represent me in an " upcoming case ''. As it turns out, Weltman, Weinberg & Reis filed a Civil Suit against me. I immediately filed a complaint with the Consumer Financial Protection Bureau, the company 's interim response on XX/XX/XXXX was as follows : " We have placed this account in a compliance review status. We are reviewing the history and background on this account along with the information provided and working to provide a detailed response. Thank you. '' As of XX/XX/XXXX, this status has not changed. 

However, last night on XX/XX/XXXX, I was served my papers in the civil suit, which they apparent have deemed appropriate to move forward with, despite all events predating. My intention is to file a supplemental complaint with the CFPB, and to seek all remedies available to mitigate what has already been an emotionally challenging time. 

The cover papers of the suit are attached for your reference. I ask that these documents be handled with care and respect.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PNC Bank N.A.
State: AZ

Complaint narrative:
PNC bank : Auto Loan No communication was sent, I received the auto title and confirmation the car was paid off. I checked my credit report and found a late payment for 30 day and 60 day a few months later. I quickly logged on to PNC and noticed the reversals on the last XXXX payments. I paid the loan off in full XX/XX/XXXX for XXXX dollars. I have asked via XXXX and directly through PNC, and the XXXX  for help. 
Solution : I am not looking for the interest back only that my account show paid in full and on time every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
XXXX XXXX XXXX did not apply the XXXX & XXXX overpayment as per their policy. The payment was $ XXXX which made an overpayment of {$180.00} for XXXX & XXXX That $ XXXX should have been apply to the oldest promotional program. In ERROR it was applied to the brand new program that was just started. I filed a dispute the beginning of XXXX. I was told it should be corrected to match the company policy. I called XX/XX/XXXX because payment was not pull from my account on XX/XX/XXXX. I was told it was because I filed a dispute. The representative redisputed the XXXX & XXXX payment with details that the first dispute did not have. Again I was told it should be corrected. I called XXXX XXXX day before the program closed to see that it got corrected and the older program paid off in full with all payments being made. I was assured by the company representative that it would all be cleared and corrected and NO Interest would be charged to the account. As of XXXX nothing has been corrected and they are telling me it will not be corrected. I feel deceived, manipulated and lied to by XXXX XXXX XXXX. 

Resolution as follows ; Make the the proper payment adjustment to the XXXX & XXXX. Moving each months overpayment the $ XXXX to the proper oldest program. This would create the account being paid in full before the expiration date and Interest charges. Remove the interest charges in XXXX of {$1500.00} and XXXX of {$46.00}. 
Please help resolve this issue for a fair resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-31 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: GA

Complaint narrative:
TO WHOM IT MAY CONCER I WANT ITEMS REMOVED ACCORDING TO THE LAWS AND REGULATIONS OF THE FCRA

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 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One is showing a late payment in my account, that i never did, capital one must to remove these late payment if they cant provide it as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
On XX/XX/year>, I applied for a credit card ( flagship reward ) and was denied. Which I dont understand how when I have an open end consumer credit plan. I received a letter with Truth and Lending 15 USC 1602, FDCPA 15 USC 1692 and FCRA 15 USC 1681 violations. Then I was told to get a secured credit card which is a violation under Finance Charge 15 USC 1605 ( a ). I put down {$2000.00} on the credit card ( account number XXXX ). I requested for an increase and was denied ( violation ). Using Navy Federal Credit Union app, I texted how am I denied? And asked whos the original creditor in this matter? And in their response they did an inquiry. In that inquiry with a consumer reporting agency ( XXXX ) received monetary fees and consideration. Also in their response, was knowingly false violation under 15 USC 1611 ( 1 ). Navy Federal Credit Union used deceptive forms violation under 15 USC 1692j ( a ). Navy Federal Credit Union also infringed my rights to privacy to a debt collector ( XXXX XXXX XXXX XXXX )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: TX

Complaint narrative:
I am reaching out because I am looking for assistance in getting a missing tradeline posted in my Experian credit report. XXXX XXXX has reported a rental tradeline to Experian but yet is not showing on my credit report I have sent them all the information, and conversations with XXXX XXXX to get this posted but yet have no results. The rental tradeline should have appeared on my credit report after they submitted the encrypted file to Experian but yet is still missing

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 2024-01-31 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: FL

Complaint narrative:
I sent Experian a police report, ftc report, drivers license and letter requesting to block and delete charged off accounts within four days with XXXX, XXXX, XXXX, and two charged off accounts listed with XXXX XXXX on XX/XX/XXXX. See the attached complaint. 

All accounts were removed on XXXX and placed back on my consumer file without notification five days prior of this occurring. I called Experian and was told the accounts were verified. I requested copies of all files, contracts, ledgers, verification methods, 1099c 's since these accounts are charged off, and all other methods/documents used to verify the account. No documents were ever sent to me. 

On XX/XX/XXXX I submitted another compliant to Experian with documentation of the accounts I requested to be blocked and deleted within four days being previously deleted and placed back on my consumer file once again without any notification. 

I received an email on XXXX XXXX XXXX from Experian asking for my drivers license, and documentation once again, see the attached email. I have already sent this in back in XXXX, of XXXX, see the attached complaint. 

This private organization continues to violate my rights as the owner of the my consumer file and ignore my request to block and delete the accounts I requested off my consumer file and provide me with ALL proof requested multiple times.

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 2024-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Bread Financial Holdings, Inc.
State: KY

Complaint narrative:
I have previously told the company that they only have permission to contact me directly and that they do not have permission to contact me through any other numbers. Today was the XXXX call they made to my employer. When I tried to log in to my account to verify that my message informing of the communication instructions had been replied to, I am now not able to access my account. So they called my employer to discuss my debt and then made it impossible for me to get into my account to review the debt or make any payments. 
Furthermore, they are calling my number at leastXX/XX/XXXX times a day which is excessive.

Company response to consumer: Closed with non-monetary relief