vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-13 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: TX

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Problems receiving the advance — 
Company: DailyPay, Inc
State: MO

Complaint narrative:
I was suppose to receive my check on XX/XX/10 and havent received payment and now the fees associated with overdrafts due to no direct deposit. Currently at {$90.00} in overdrafts fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-13 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: CO

Complaint narrative:
I have written 4 letters certified to remove inquiries and still some exist XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-13 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: SC

Complaint narrative:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-13 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: LA

Complaint narrative:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: KY

Complaint narrative:
Why is paypal, venmo and others charging you money to get your money back sooner? This is absurd. Why are banks taking 3-5 days, this is the digital age, no hastle of the post office. Americans are being price gouged at every turn and enough is enough. 

They certainly let you buy things instantly, but somehow getting your money back instantly is a fee? 

This should be a class action lawsuit NOW, not later.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are several things on my credit report that are way beyond seven years old. For instance, there is a store card that was open in XXXX without my consent and it was closed two years later with no balance and no charges. That account was from XXXX. Closed in XXXX. It is now XXXX and for some reason they are putting it on my report again. These abuses are not minor. In addition, I am a participant in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They are not supposed to be using my home address on my credit report. Yet they continue to do so, despite being sent a letter from the state of California telling them theyre not allowed to do this. The department of motor vehicles, the department of health and human services, even the social services officers have to use my safe at home address. This protect my family. These people are literally putting my family at risk, and they have not resolved this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: IL

Complaint narrative:
For the past two years, I have been disputing incorrect information on my credit report concerning Affirm. I bought doors from XXXX and they were financed through Affirm, but I had to return them because they were the wrong size. I remember speaking to a representative who told me to wait for a credit to be applied to my XXXX credit card for the return of the doors. Despite this, I never received any statement or other correspondence from Affirm regarding the amount that was due. It was only when I checked my credit report that I saw the negative reporting from the bureau. I don't think I should be held responsible for this, as Affirm should have sent me a statement about the payments due. I have been asking for these items to be removed from my report for some time now, and I feel this is the only fair thing to do. You can see from the attached invoice that there is a credit, as the funds were transferred in XXXX and XX/XX/2021 for the return of the doors, but my report is showing XXXX and XX/XX/2021 as late. If I had any money owed to Affirm, they never sent me a statement. 

Thanks XXXX According to CFPB it's noted : Note : Under the Financial Protection Bureau : Statement required. The creditor shall mail or deliver a periodic statement as required by XXXX for each billing cycle at the end of which an account has a debit or credit balance of more than {$1.00} or on which a finance charge has been imposed. A periodic statement need not be sent for an account if the creditor deems it uncollectible, if delinquency collection proceedings have been instituted, if the creditor has charged off the account in accordance with loan-loss provisions and will not charge any additional fees or interest on the account, or if furnishing the statement would violate Federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 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: NJ

Complaint narrative:
I sent a detailed written dispute regarding several accounts that were repeatedly reporting inaccurate and/or misleading information and requested a detailed written response as I am entitled to receive. A copy of my letter is attached. No information was ever received and still showing accounts of debt buyer with wrong open date and should be off my report as original creditor is older than 7 years and another that belongs to someone else. both are collections and negatively affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
XX/XX/XXXX purchased two airlines tickets from XXXX, XXXX to XXXX, PA on XXXX for {$620.00} each. 

Flight purchased from XXXX XXXX detail : Conf # XXXX XXXX, XX/XX/XXXX XXXX  XXXX from XXXX to XXXX, GA departing XXXX, arriving XXXX XXXX  XXXX from XXXX to XXXX, PA departing XXXX, arriving XXXX On the day of the trip, we received an email from XXXX stating that the flight from XXXX was delayed by almost two hours. XXXX customer service sent a message stating that we would miss our connection and suggested that we rebook our flight. 

XXXX said they were unable to help us, as we initially booked and paid XXXX. XXXX said they were unable to help because it was a XXXX flight. Of note, for six hours, I was only able to connect with the airlines over text messaging as they never answered the phone. 

As a result, we booked a more expensive flight home and had to fly into XXXX, NJ and pay for a car to take us to XXXX. 

I filed a refund request with XXXX. They said I should file it with XXXX. XXXX said I should file it with XXXX. XXXX has not responded to anything. This has been going on for almost five months. 

I filed a dispute for both tickets with Chase XXXX XXXX XXXX. They refunded one of the two tickets. The other ticket ( {$620.00} ) was disputed twice and Chase continues to say that they decline the dispute. One time they said it was because we didn't present for the flight. That's not true. XXXX told us to rebook, yet gave us no rebooking options or help. They had no other flights that day and after six hours of begging for help, we booked on another airlines. 

I have called Chase several times and spoken with the people in their local office about our dispute ( Claim XXXX ) and they refuse to do right by us. 

We our outstanding Chase customers with excellent credit ratings. We have tried our best to get the Airlines to do right, but they won't since Chase has ruled in their favor. 

Chase is not serving us, instead they are serving XXXX whom we paid but did not deliver a flight home for us. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 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 compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-13 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: LA

Complaint narrative:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 U.SC 1681 section 602a states I have the right to privacy.

15 USC 1681 Section 604a Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 




In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, has violated my rights. 

15 U.SC 1681 section 602a states I have the right to privacy.

15 USC 1681 Section 604a Section 2 : It 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 2023-11-13 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
This morning at XXXX, I received a notification from XXXX XXXX that an inquiry was made in an attempt to open a credit card account in my name. I called XXXX ( XXXX ) XXXX and the fraud department verified that an attempt was made. XXXX provided me with the following information : New credit card or loan. Lender : ComenityCapital/SephoraV. Inquiry date : XX/XX/2023. Verification details : Business phone : ( XXXX ) XXXX Business name : Alliance Data. I disputed the inquiry with XXXX, and they recommended that I file a police report and a fraud claim with FTC. I called Alliance as well and they said the company was unable to provide me with details regarding the credit card application ; however, they did inform me that the application was rejected. Alliance fraud department recommended that I file a police report and send the report number to their department. Once received, I would be able to find out more details about the credit card application. I filed a police report with the XXXX, AZ Police department and waiting to hear back from regarding a complaint number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-13 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 U.SC 1681 section 602a states I have the right to privacy.

15 USC 1681 Section 604a Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX****, has violated my rights.

15 U.SC 1681 section 602a states I have the right to privacy.

15 USC 1681 Section 604a Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 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: CA

Complaint narrative:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the XXXX XXXX XXXX  XXXX on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX Proof ( an original XXXX XXXX with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On the morning of XX/XX/XXXX I logged on to our online banking and saw that the balance of XXXX of the account had been withdrawn from the account. The transaction showed as follows : XX/XX/XXXX WITHDRAWAL XXXX XXXX XXXX XXXX XXXX XXXX I contacted XXXX XXXX, our XXXX, to check whether he had withdrawn or transferred any funds from the account. He had not. We checked with XXXX XXXX, the other XXXX and she confirmed she had not. 

I tried to call our XXXX XXXX, XXXX XXXX XXXX times at XXXX ( last call ) and the number was unreachable. I emailed all the contacts I had at First Republic included XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX requesting assistance. All emails returned undelivered except for XXXX XXXX. 

I called the online support number for First Republic at XXXX am and spoke to a consultant who confirmed my identity and tried to contact our XXXX XXXX. We spent XXXX minutes on the call and he was unable to contact anyone. He also noted that the account had been closed by an authorized party so he could not pursue the issue without a banker. He suggested I go into a branch to speak to a banker and that he would get them to contact me. He was able to tell me that our newly assigned banker was XXXX XXXX and that the assigned branch was XXXX XXXX XXXX. 

At XXXX I emailed XXXX XXXX explaining the issue in the hopes of expediting the resolution. 

At XXXX I called the XXXX XXXX XXXX branch and spoke to XXXX XXXX who confirmed that XXXX XXXX was assigned to our account and that she would get him to contact us. 

At XXXX I received an email response from XXXX XXXX confirming that he forwarded my note to the compromised account team. 

Filed complaint with XXXX on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Upon conducting a recent examination of my credit history, I discovered a substantial number of billing issues under 15 U.S Code 1666 ( b ) billing error. 
( 4 ) The creditor 's inability to truthfully depict an obligation payment or credit that was given to the debtor on a statement.

( 5 ) A computation error to other similar accounting error on a creditor 's statement. 

Upon conducting a recent examination of my credit report, I discovered a substantial amount of discrepancies. Based on my understanding, the creditor failed to furnish me with statement at least XXXX days in advance, so precluding any occurrence of late payment on this account. I kindly request access to verifiable evidence from the creditor 's financial institution that substantiates my nonpayment and late status, which can be attributed to an evident billing error. My consumer report states that each of the items below needs to be changed to reflect the agreed-upon payment. 

XXXX. XXXX XXXX  XXXX Account # XXXX XXXX. XXXX Account # 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 2023-11-13 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: NJ

Complaint narrative:
I sent a detailed written dispute regarding several accounts that were repeatedly reporting inaccurate and/or misleading information and requested a detailed written response as I am entitled to receive. A copy of my letter is attached. No information was ever received and still showing accounts of XXXX XXXX with wrong open date and should be off my report as original creditor is older than XXXX  years and another that belongs to someone else. both are collections and negatively affecting my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
aidvantage 's response was nonsensical. aidvantage is to update my address to the same address I have used for the last XXXX years. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 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: OK

Complaint narrative:
I requested a copy of my credit report and to see that there were accounts that didnt belong to me so I contacted my bank and had them to freeze my accounts until further notice

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