vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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 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 2023-04-11 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Amongst the three credit bureaus my personal information is reporting inaccurately which violates my consumer rights per the following information : Firstly, there are differences in the name of the account holder across the three credit bureaus. XXXX lists the name as " XXXX XXXX XXXX, '' while Experian and XXXX both list the name as " XXXX XXXX XXXX. '' This discrepancy in the spelling of the middle name could potentially cause confusion and lead to errors in the reporting of the credit history. 

Secondly, there are discrepancies in the current and previous addresses listed by the different credit bureaus. XXXX lists the current address as " XXXX XXXX XXXX XXXX XXXX, GA XXXX, '' while Experian lists the same address but without the " XXXX '' in XXXX XXXX name. XXXX lists the address as " XXXX XXXX XXXX XXXX XXXX, GA XXXX. '' Similarly, the previous address listed by XXXX is " XXXX XXXX XXXX XXXX XXXX, GA XXXX, '' while XXXX lists XXXX same address but without the zip code extension. These inconsistencies in the formatting of the address could lead to confusion and potentially impact the accuracy of the credit report. 

Finally, there are differences in the employers listed by the different credit bureaus. Experian lists " NOT PROVIDED '' as an employer, while XXXX and XXXX do not. This discrepancy could raise questions about the accuracy and completeness of the credit report. 

These inconsistencies may violate the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to ensure the accuracy and completeness of the credit reports they produce. Specifically, Section 607 of the FCRA requires that credit bureaus " follow reasonable procedures to assure maximum possible accuracy of the information '' in credit reports. Additionally, Section 611 of the FCRA requires credit bureaus to provide a free copy of the credit report to consumers once every 12 months, so that they can review the information and report any errors or discrepancies.

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 2023-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
EXPERIAN NOT TAKING MY CASE SERIOUSLY, ASKING FOR THE SAME INFORMATION PREVIOUSLY PROVIDED ATTACHED AGAIN : TWO LETTERS ID PROOF UTILITY BILL ID THEFT REPORT FTC FRAUD 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 2023-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
I purchased an online airline ticket from XXXX on XX/XX/2023 by using my Comerica Bank credit card. I purchased the ticket : a ) in USD currency b ) in the USA c ) from a USA-based website Unexpectedly, when I logged into my online account on XXXX XXXX XXXXXXXX I noticed that the bank had charged me Foreign Transaction Fees in the amount of {$220.00} on the USD amount of the airline ticket. I called customer service and even though I escalated it to a supervisor, they were oblivious as to the reason for the charge and refused to reverse the fees. 

I'd like to point out that I buy tickets from THE SAME airline company IN THE SAME way, FROM THE SAME website and FROM THE SAME US location at least twice a year. I use various other credit cards, which ALSO do have Foreign Transaction Fees BUT I've never been charged ones. It was the FIRST time I decided to use this Comerica credit card. Of course, the DEFINITION of a foreign transaction fee is when one uses the card internationally in a currency that is DIFFERENT from USD. Neither of these applied in this case! Moreover, that's in violation of the terms and conditions of the card and the definition of a foreign transaction fee. 

I have receipts and confirmations, and obviously everything is in a USD dollars. It's like if you go to buy a XXXX car from a US dealership and have price listed in the USD and pay in USD via a credit card and then discover that the credit card company charged you Foreign Transaction Fees because, you see, the company producing the car is XXXX. That's would be nothing but fraud! 

Comerica Bank has illegally and against it's own terms and conditions charged me imaginary foreign transaction fees. 

Attaching confirmation printout and one of the passengers ticket receipts.

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 2023-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/2018 Balance {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
Hello dear paypal, my name is XXXX I feel sad due to my account was hacked and nobody want help me with my case. 
All the evidence was reported, different device, different location, vpn conection, different phone number, different address, all card and bank financial, all the information was added to the case and they is still declined without made a good review. 

i want executive check my case and help me with this problem. 

my email is XXXX This is the Case update : XXXX The client reports unauthorized access and transactions. The email XXXXXXXX XXXX XXXX XXXX  does not belong to the client. This email was added without authorization of the client. The terminal bank account XXXX XXXX does not belong to the client and the transactions and withdrawals were not authorized by the client. There is a risk associated with these unauthorized transactions because they were made from a different device. You can also determine access to the account from different places and countries. The connections associated with access to the account were made through VPN CONNECTIONS and the IPs are very different. Other changes that the client did not authorize was, The client 's personal information was changed, such as address, telephone and financial products. All these changes were not authorized by the customer. Please help the customer to get a refund. At this point, I have already helped the client to regain access to his account and now he needs to obtain a refund for the unauthorized transactions. 

Transaction ID XXXX Transaction amount {$5900.00} USD Transaction ID : XXXX Transaction amount : {$8100.00} USD Transaction ID : XXXX Transaction amount : {$1200.00} USD

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Credit reporting, credit repair services, 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX XXXX 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 to privacy.

15 U.S.C 1682 Section 604 A 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 2023-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP
State: OH

Complaint narrative:
Upon opening the account the week prior, I specifically noted that i would be linking my card to XXXX  and purchasing crypto currency. I was told this would NOT be a problem. On XX/XX/2023 I put through a transaction to XXXX  for {$1000.00} with my US bank Debit card. immediately received a text message asking to verify the transaction from the fraud department. I verified I DID AUTHORIZE THIS TRANSACTION and it was not fraud. They refused to process the transaction still. I called the fraud department and was told they saw that I authorized the transaction and STILL REFUSED to put the transaction through. They have unlawfully denied an authorized transaction i have made and prohibited the disbursement of my money.

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 2023-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX  NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX Balance : {$280.00} ; XXXX XXXX Balance : {$180.00} ; XXXX  XXXX Balance : {$630.00} ; XXXX  XXXX Balance : {$930.00} ; XXXX XXXX Balance : {$890.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$610.00} ; XXXX  XXXX Balance : {$190.00} ; XXXX XXXXXXXX Balance : {$120.00} ; XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  ; XXXX XXXX XXXXXX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 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 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 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 non-monetary relief
Consumer complaint received 2023-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I had reached XXXX XXXX, XXXX  and I submit a claim here before but I haven't received any answer I have a negative file on my credit report and they are affecting me I have sent all the valid documentation, letters, and FTC and nothing has been resolved.

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 2023-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
JPMORGAN Chase, was notifying me to contact them because they needed more information on my claims. I ignored the messages because I had NOT filed any claims On or around XX/XX/XXXX Chase locked my debit card I called customer service and was transferred to the Fraud department. I explained that I needed a explanation about the pending investigations being conducted on the fraudulent claims and why was my debit card inactive. I informed them that I never placed these claims, which were bizarre, there were several submitted within a 7 day period and ALL of them were reversal requests on purchases and payments that I had made in XXXX. There was one current * my XXXX bill {$110.00}. * Why would I wait until XX/XX/XXXX to dispute financial services provided during the prior year?. I was asked if I had called in the claims.. ( several times ) my answer remains NO. Why won't they check Voice Recognition since Most calls are recorded?? The fraud dept. claims that my account was credited for all of the claims, I immediately informed the person that I NEVER received any of these so-called reversal credits. Which I can prove with my mobile app. I was sent a letter informing me that in or around XX/XX/XXXX that Chase would be taking back their funds from my account. I had {$170.00} in my account on the 5th my Social Security Disability check appeared in my checking account ( 2 days late ) within 24 hours ALL of my money was gone and I am now in the negative for {$310.00} Chase expects from me. I believe that government checks are exempt from being seized unless I owe child support or alimony. JPMORGAN has locked my account I went into a local Chase branch here in XXXX, XXXX XXXX XXXX asked for assistance from one of the desk employees he called somewhere the call was brief and I could tell that the person on the other end was abrupt. After the call I was informed that my accounts would be closed, and that I could NEVER be a Chase customer again and that they would return whatever funds were available afterwards approximately 10 days when their investigation would be concluded. I was a victim of identity theft ... Chase did not protect or support me as a client. I want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
After multiple attempts to call with no resolve I am forced to submit this complaint. Experian continues to calculate my credit score AND report to lenders using inaccurate information. Experians website currently notes that my payment history includes 1 payment 30 days late, and 1 payment 60 days late. ( see attached ) ; however, Experian has failed to provide me with the account they are referencing a late payment for. How can you report those late payments, yet can not provide me with the documentation to support the late payments your system is using to suppress my score and flag to potential lenders that I have a recent serious delinquency? This is a violation of the FCRA in that you are not REPORTING 100 % accurate information. This is damaging to me in these times of high interest and extreme scrutiny from lenders. Please provide me with the information including account number, date, and where you are reporting this on my credit file, that supports your reporting of 1 - 30 day late payment and 1 - 60 day late payment. Please note : I AM NOT DISPUTING ANY PARTICULAR ACCOUNT, I AM DISPUTING THAT EXPERIAN IS ERRONEOUSLY REPORTING INFORMATION AND INCLUDING THIS IN THEIR SCORING CALCULATIONS AND WILL NOT PROVIDE ME WITH THE INFORMATION BEING USED TO OUTPUT THE NEGATIVE MARKS PICTURED IN THE ATTACHMENT.

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