vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-26 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 just checked and reviewed again my Experian credit report and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.

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 2024-04-26 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-04-26 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: TX

Complaint narrative:
I am writing to urgently address a severe matter regarding fraudulent activity on my credit report. Upon thorough review, I have uncovered multiple inaccurate and unauthorized entries that significantly compromise my financial integrity and creditworthiness. These fraudulent accounts have been causing unwarranted distress and hardship, and I seek your immediate intervention to rectify this situation. 

The fraudulent entries in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$7600.00} Status Open. {$470.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$20000.00} Status {$2600.00}. 
XXXX XXXX XXXX Last reported XX/XX/XXXX {$130.00} Opened XX/XX/XXXX. 


Despite my repeated efforts to address these issues with the credit reporting agencies, the entries persist on my report, unjustly tarnishing my credit score and financial reputation. 

It is imperative to emphasize that I have never authorized or initiated any of these accounts. I strongly suspect that they are the result of identity theft or malicious activity targeting my financial records. As a vigilant consumer, I have diligently monitored my credit report and have taken immediate action upon discovering these discrepancies. 

In light of these grave concerns, I wish to draw your attention to several pertinent laws and regulations established under the Fair Credit Reporting Act ( FCRA ) that safeguard consumer rights : Fair Credit Reporting Act ( FCRA ) Section 609 : This section empowers consumers to request disclosure of their credit report and dispute any inaccuracies or fraudulent entries therein.

Fair Credit Reporting Act ( FCRA ) Section 611 : This section mandates credit reporting agencies to promptly investigate and address any disputes raised by consumers regarding the accuracy of information on their credit reports.

Fair Credit Reporting Act ( FCRA ) Section 615 : This section outlines the responsibilities of information furnishers, such as creditors and lenders, to ensure the accuracy and integrity of the information they provide to credit reporting agencies.

I urgently implore the Consumer Financial Protection Bureau to intervene in this matter and expedite the removal of these fraudulent entries from my credit report. Additionally, I request a thorough investigation into the origins of this fraudulent activity and appropriate actions against the perpetrators.

Enclosed with this letter are copies of documents supporting my identity and evidence of the fraudulent entries on my credit report. 

Your prompt attention to this matter is greatly appreciated, and I eagerly await a swift resolution. Please do not hesitate to contact me if further information or assistance is required.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 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: CO

Complaint narrative:
I trust this message finds you well. I am writing to formally request the closure of my Venmo account, registered under the name XXXX XXXX and associated with the email address XXXX, effective immediately. 

My journey to close my Venmo account commenced on XX/XX/2024, triggered by an unsettling incident on XX/XX/2024. Despite my unwavering determination, I have faced obstacles in closing my account, primarily due to a chargeback or dispute issue that, to the best of my knowledge, neither my financial institution nor I initiated. 

In XXXX, my Venmo account was suspended due to a dispute involving an unknown card with the last four digits of XXXX. This dispute was related to the transactions of {$10.00} made on XX/XX/2024, and {$15.00} made on XX/XX/2024. After a thorough investigation, my bank confirmed to Venmo that I do not have a credit or debit card associated with the mentioned digits. Consequently, my Venmo account was reinstated on XX/XX/2024. As a responsible user, I promptly reimbursed the respective requestors for {$10.00} and {$15.00} on XX/XX/2024. 

In my pursuit of resolution, I have been diligent in taking the necessary steps to authenticate this assertion. This included direct communication with my bank, which confirmed that neither a dispute nor a claim originated from them or my account. I am sharing email correspondences and screenshots of phone calls and transactions documenting these efforts here, underscoring the earnest endeavors to validate the assertions mentioned earlier.

Considering the circumstances outlined above and the unsatisfactory experiences with Venmo, I respectfully restate my request for immediate action to close my Venmo account. Your prompt attention to this matter would be greatly appreciated. 

Should you require any further information or documentation, please do not hesitate to contact me at your earliest convenience. 

Thank you for your understanding and anticipated cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have XXXX credit card accounts. The company charged a late fee for the month of XXXX and marked on my credit that I missed a payment/late payment for both ( {$15.00} ). Partial payment was paid in XXXX. At a later date in the month XXXX payment was made of {$700.00} to XXXX card and then {$800.00} for the other card. Shortly after the XXXX payment ... my credit limit was decreased. The other card was fully paid off in XXXX and notice was just sent to me that it was closed. The reason for the closure and decrease was for a lack of real estate account loans, to few bank cards with high limits, balances on accounts too high and to few accounts paid as agree. 

Since the accounts were marked as not paid on my credit ( which in fact they were ) it dropped my score. All of my other cards have XXXX balances, but since they lowered rhe credit limit for the one card after payment it resulted in a higher balance.

I called and spoke with a manager on XX/XX/24 and was told they periodically can check credit and it's stated on the back of my billing statement. There is nothing stating that on the back of my billing statements. I've had the acount for over 3 years and never had anything " periodically '' checked. I was told there's nothing they can do. I disclosed that I find it interesting that after I paid them {$1500.00} that my accounts are being closed and limits dropped. When requested what company my credit was run though since it didn't specify in the letter, she told me that it does say it. I attached a copy of that letter and there is nothing specified.

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 2024-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
At the beginning of XX/XX/XXXX, I received notification from XXXX about an account that was added to my credit report as 60 days late. Upon speaking with XXXX, I was informed that JPMCB was reporting me XXXX months late for an account ending in XXXX with a balance of {$7400.00}. I immediately contacted Chase to find out more information about the account and was told : XXXX ) The account was opened in XX/XX/XXXX XXXX ) The account was closed by Chase for suspected fraud 3 ) There were no attempts to communicate about the account since XX/XX/XXXX. 4 ) A fraud packet would be sent to me to sign and send back. I advised Chase that a former employee was responsible for opening the account without my knowledge and that the former employee was currently incarcerated. I also advised Chase that I was willing to pay for the balance owed, however the account was not utilized by me. I also informed the credit bureaus that the account was a fraudulent account and requested a dispute process to begin. XXXX almost immediately removed the account from my credit report, however on XX/XX/XXXX it was placed back on my credit file as verified. I contacted Chase again on XX/XX/XXXX to find out the status of the case as I have not received any documentation from Chase as promised. A representative from Chase let me know that Chase determined the account as valid because there were payments made on the account from an account that was in my name and from a business account that I am the manager on. I advised the representative that there were multiple payments made from accounts at Chase that were in my name and multiple disputes were filed with Chase regarding other credit accounts where payments were made without my consent or knowledge. Chase representative informed me that I did not send the requested documentation in to substantiate the case and as a result, they determined the account to be valid. However, I contacted XXXX again and it was told to me that Chase did receive the documentation as the bureaus sent it directly to them with the fraud dispute. Chase received the FTC Affidavit and ignored it, told the bureaus that the account was valid and misrepresented the facts about having the documents, to me. Their justification for verifying the account was based on them not receiving documentaiton however the credit bureaus sent the documents to them directly so they had them the entire time. I then spoke to another representative at Chase who allowed me to make payment on the account to keep the account from reporting more late payments on my credit report, however I am not liable for the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Our company XXXX XXXX XXXX has been banking with Chase bank for the last two years. We get paid for the service we provide by the treasure department that who we do business with and we deposit them in our Business checking account. We have been doing business for two years no issues in the past in regard to the deposit that we receive from treasure department. a few months ago we made a deposit for {$110000.00}. The account immediately got froze. We call the bank and we spoke to our account management representative to find out what was the issue. She stated that they were doing further verification to allow them a 5 business date. A few weeks after that we call again and they have closed our account I ask why they close our business account they told me that they want more information in regards of those deposit.I provide them with the statements from where we get paid. I provide them with the phone number from the institution that paid us which is the treasure department, I also offer them to get on a 3 way phone call, however they say that due to bank policy it was not allowed. a few weeks later we call again to follow up on the statement that they have requested via email. They said that the statement we provided they were not going to accept it. and they need to verify directly with the treasure department however that has not happened. Business has suffered multiple issues and regards to this matter. I have spoke to a representative at chase bank his name is XXXX XXXX, phone number is ( XXXX ) XXXX Ext XXXX. We also may complain to the XXXX, complain number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-04-26 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: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
Credit was dropped again XXXX points for no reason. There is one collection that was added but they have been informed is was on a bankruptcy XX/XX/2023. Case XXXX. XXXX has also been informed and a XXXX cease and desist order letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 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: LA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
Im reporting again PayPal Mastercard credit card they have not shown me full receipts for this card only the last 3 which were all payments made may me this a clear attempt to keep restarting the 30 day date to respond properly if you look back in your disputes I just recently had same issue with their fanatics card as well again attached is their response which just shows last 3 statements not receipts of all balance and it says if we do not hear from you we assume this debt is correct. So Im responding

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 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX  Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX  XXXX Account : XXXX XXXX Account : XXXX XXXX  XXXX XXXX Account : XXXXXXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX  Account : XXXX XXXX  Account : XXXX XXXX  Account : XXXXXXXX XXXX XXXX XXXX Account : XXXX XXXX & XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXXXXXX XXXX XXXX XXXX 
Account : XXXXXXXX XXXX XXXX XXXX Account : XXXXXXXX XXXX XXXX XXXX Account : XXXXXXXX XXXX XXXXXXXX Account : XXXXXXXX XXXX Account : XXXXXXXX XXXX XXXX Account : XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above

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 2024-04-26 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX LA XXXX, XXXXXXXX XXXX XXXX/EQIUFAX XXXX XXXX XXXX XXXX MA XXXX. I have informed these companies of the eras but have not heard back from them yet. I also included all appropriate ucc codes and titles concerning these inaccurate hard inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
XX/XX/XXXX, The Apartment I was renting was hit by a tornado/major wind and hail storm, my insurance deemed the unit uninhabitable, paid for an alternative living arrangement and the costs of moving. 

Per Texas law, I had the right to move out due to the property not being viable any longer to live in. ( Texas Property Code 92.054 ) and the guidelines for property moving out of the premises with proper notification was followed. 

The property manager at the time when I noted the state laws, along with my intent to move out due to the uninhabitability of the unit and no means of fire egress, safety hazards due to glass imbedded in windows etc. stated " the owner is not allowing anyone to move due to the storm damage '' and in a way it was a " your out of luck ''. The apartment complex did not move forward or show effort to make life and safety repairs in a timely manner. 

Per Texas law I was entitled to a refund of my remainder in pre-paid rents plus a refund of deposits. My rent was approximately {$1200.00} per month and I moved out on XX/XX/XXXX. This would have entitled me to a refund of at approximately {$600.00} + Deposits. 

On move out, XXXX XXXX charged me a fee to break the lease, and also a carpet replacement fee. 

The carpet after speaking to a public insurance adjuster, was full of glass, and would have been replaced due to the storm damage and the inability of removing fine glass shards due to the amount of glass in the carpet. Carpet also was coming up at seams prior to the storm, and I had requested several times for the apartment complex to replace the trim because it was a trip hazard, wear due to improper installation. This alone would have pre-determined a carpet replacement by the landlord on my move out. 

I hand delivered and sent proper certified mail to the property landlord at XXXX XXXX XXXX  managed by XXXX XXXX. That was completed on XX/XX/XXXX. I also send additional letters responding to claims of debt owed, documentation about the damages. Which have been ignored. 

XXXX XXXX has handed the account over to RentDebt for collection activity. While this does not impact my living scenario due to current homeownership- this is impacting my credit - by an unlawful balancing of accounts in XXXX XXXX favor.

Company response to consumer: Closed with explanation