vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: FL

Complaint narrative:
I woke up one morning and noticed a text message from my bank ( Chime ) that there was a charge that they thought was fraudulent and they wanted to confirm if it was valid or not. It was a charge to rent a vehicle. I immediately looked for my wallet and it was gone. I still dont know what happened to my wallet but it was no longer in my possession. I responded to the text and notified the automated system that that was not me and I was informed by the automated system that the charge was blocked and that I had nothing to worry about. I immediately put up my account and I noticed that there was another charge for almost {$300.00} that they did not catch. This was a charge that was made on XXXX for a hotel in XXXX XXXX, XXXX, which is on the opposite side of the state from where I live. I immediately called them to have them cancel it and they said I had to wait until it settled for them to file a dispute. I went ahead and canceled all of my cards and called them back a few days later to dispute the charge. Weeks later they finally got around to reviewing it and told me that their investigation found no mistakes made and that I would be responsible for it. When I called back to dispute that finding, I was told I didnt have any supporting documents. I told him I dont know how to prove that I didnt authorize that transaction, but the fact that they had another one on the same day that they blocked, and the fact that I I called in and canceled all my cards should be proof enough. I dont know what happened to my wallet so I cant file a police report because I dont know what happened to it. But I know I did authorize any transaction in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: TX

Complaint narrative:
Due to XXXX data breach Im experiencing a very hard time getting my credit score back up to XXXX. Ive been having a hard time getting funding and finding a place to live. This data breach created a huge financial crisis and it has caused me so much pain and suffering. The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority.

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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
t.ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-01-10 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: IL

Complaint narrative:
I recently submitted a request to block my accounts however, it appears that this requesthasnot yet been processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong 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. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Subject : Formal Demand for Immediate Account Deletion and Investigation of Fraudulent Reporting Practices From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX To Whom It May Concern, This letter serves as a formal demand for immediate action regarding fraudulent accounts on my credit report and an investigation into the reporting practices of XXXX  XXXX, and portfolio recovery, and other financial institutions. 

# # Demand for XXXX  Account Deletion TransUnion has recently deleted the disputed accounts from my credit report, recognizing the validity of my claims. I demand that XXXX and XXXX immediately follow suit and delete these same accounts from my credit reports. Your failure to do so constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and perpetuates the fraudulent practices of the reporting financial institutions. 

# # XXXX of XXXX Practices The sudden deletion of these accounts by XXXX, after years of disputes, raises serious questions about the legitimacy of these accounts and the practices of the reporting institutions. I demand a full investigation into : XXXX. The failure of these financial institutions to issue required XXXX forms for allegedly canceled debts. 
XXXX. The continued reporting of these accounts despite the lack of proper documentation. 
XXXX. The sudden deletion of these accounts when pressed for XXXX records. 

# # Demands for XXXX XXXX XXXX. Delete all accounts that have been removed from my XXXX report from your records within XXXX business days. 
XXXX. Provide a full accounting of all communications between your agency and the financial institutions regarding these accounts. 
XXXX. Initiate an investigation into the reporting practices of XXXX  XXXX, portfolio recovery and other involved institutions. 
XXXX. Provide written confirmation of these actions within XXXX business days. 

# # Legal Implications Your agency 's continued reporting of these fraudulent accounts, especially in light of XXXX may constitute : XXXX. Negligent or willful noncompliance with the FCRA XXXX. Complicity in the financial institutions ' fraudulent practices XXXX. Failure to maintain reasonable procedures to ensure maximum possible accuracy of credit report information Failure to comply with these demands will result in immediate legal action, including but not limited to : XXXX. Filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ) XXXX. Pursuing legal remedies under the FCRA, including statutory damages, actual damages, and attorney 's fees XXXX. Seeking punitive damages for willful noncompliance Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Subject : Formal Demand for Immediate Account Deletion and Investigation of Fraudulent Reporting Practices From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX To Whom It May Concern, This letter serves as a formal demand for immediate action regarding fraudulent accounts on my credit report and an investigation into the reporting practices of XXXX  XXXX, and portfolio recovery, and other financial institutions. 

# # Demand for XXXX Account Deletion TransUnion has recently deleted the disputed accounts from my credit report, recognizing the validity of my claims. I demand that XXXX and XXXX immediately follow suit and delete these same accounts from my credit reports. Your failure to do so constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and perpetuates the fraudulent practices of the reporting financial institutions. 

# # XXXX of XXXX Practices The sudden deletion of these accounts by XXXX, after years of disputes, raises serious questions about the legitimacy of these accounts and the practices of the reporting institutions. I demand a full investigation into : XXXX. The failure of these financial institutions to issue required XXXX forms for allegedly canceled debts. 
XXXX. The continued reporting of these accounts despite the lack of proper documentation. 
XXXX. The sudden deletion of these accounts when pressed for XXXX records. 

# # Demands for XXXX XXXX XXXX. Delete all accounts that have been removed from my XXXX report from your records within XXXX business days. 
XXXX. Provide a full accounting of all communications between your agency and the financial institutions regarding these accounts. 
XXXX. Initiate an investigation into the reporting practices of XXXX  XXXX, portfolio recovery and other involved institutions. 
XXXX. Provide written confirmation of these actions within XXXX business days. 

# # Legal Implications Your agency 's continued reporting of these fraudulent accounts, especially in light of XXXX may constitute : XXXX. Negligent or willful noncompliance with the FCRA XXXX. Complicity in the financial institutions ' fraudulent practices XXXX. Failure to maintain reasonable procedures to ensure maximum possible accuracy of credit report information Failure to comply with these demands will result in immediate legal action, including but not limited to : XXXX. Filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ) XXXX. Pursuing legal remedies under the FCRA, including statutory damages, actual damages, and attorney 's fees XXXX. Seeking punitive damages for willful noncompliance Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc.
State: TX

Complaint narrative:
Attached are pictures that I cleaned the apartment when I left the address XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX, tx XXXX. I have videos of me trying to pay XXXX XXXX XXXX and she refused to accept my payment which led to her wrongfully sending an eviction notice. I filed a police report with all of my videos and pictures as proof. A email was also send to the department of Justice criminal division in regards to fair housing red lining violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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:
This morning, I found incorrect accounts listed on my credit report, and Im unsure why. I routinely check my credit report, but this time unexpected discrepancies appeared. I refreshed my browser thinking it might be a glitch, but the errors remained. Due to this, I request a thorough review of the documents I submitted to ensure I wont have to deal with this issue again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
Purchased an item through XXXX on XX/XX/year> and paid via debit card through PayPal. I had to cancel the order immediately due to incorrect shipping and then re-order. My bank ( since the item was purchased via debit card via third party ) didnt reflect the charge as the item hadnt been processed yet ( it was cancelled ) but the second order had gone through, item was shipped and was received promptly. 

Fast forward to XXXX XXXX I was charged by PayPal again for the item I had already paid for ( debited transaction proof in statements ) and received the item. I understand that due to the cancellation, their payment systems go wonky so I figured this would be an easy fix. 

I open a support ticket for PayPal, XXXX, and my bank providing all necessary proof with statements and a detailed description describing what had happened. My bank investigated and obliged my request. XXXX looked through the transactions and explained it was nearly a hold and the funds will be returned ( which they were ). 

PayPal responded by locking my account, claiming I reversed a charge. They closed my support ticket and found their records to be correct. They left me XXXX option for rebuttal or even a means to contact a customer service rep so I can explain the situation. I have a strong feeling that my case wasnt even heard/reviewed and I was penalized in spite of being a long-time customer. With that, I was charged a dispute fee which they do not mention until you read their fine print. It was not even shown in my recent activity/balance as a deducted charge, money was just missing. 

Becoming increasingly fed up, I decided that I was going to close my PayPal account. Doing so has been a near impossibility. Their instructions detail that you can do this easily through their app, but when you click close account it takes you to their support page FAQ and when you type in close account on the search bar, they provide instructions that take you right back to step one. Their close account button isnt even a real action on their app, its just there for show.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2025-01-10 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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. 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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong 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. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
My information was exposed in the data breach. This information needs to be removed, do not turn my dispute into a third-party dispute. Section 605 B information should be removed from my credit report with in the next four days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: NY

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim XXXX XXXX XXXX of Debt XXXX and would like for all listed items to be blocked and deleted company information from TransUnion. 

Please delete the following items XXXX XXXX XXXX  XXXX BALANCED {$5000.00} XXXX XXXX BALANCED {$0.00} XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX BALANCED {$1100.00} XXXX XXXX  ( Original XXXX : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX BALANCED {$1300.00} XXXX XXXX  ( Original XXXX : XXXXXXXX XXXX XXXX XXXX  ) XXXX BALANCED {$330.00} XXXX XXXX  ( Original XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX BALANCED {$320.00} XXXXXXXX XXXX XXXXXXXX BALANCED {$0.00} XXXX  XXXX XXXX BALANCED {$3000.00} XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXX BALANCED {$730.00} XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-01-10 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: MD

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: MD

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED 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 explanation