vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-01 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX To Whom It may concern. 

While looking at my Credit Report. I have noticed the following accounts had Major Discrepancies in the Payment History section of the listing. Transunion is the only agency showing these Items Incorrect. Please take the time and fix these Items Correctly XXXX XXXX XXXX Shows a Balance of XXXX was Closed/Charged off in XXXX  but is still showing up Falsely!!! THIS IS A VIOLATION OF THE FCRA 15U.S.C.1681i ) It is my understanding that all Items should be correct on my report. Account Status should reflect PAID and Payment Status CURRENTDate Opened XXXX Last Payment XXXX. 
This account needs to be removed. 

XXXX XXXX XXXX shows a Balance of {XXXX? Should have a XXXX XXXX was Closed/Charged off XXXX  But is still showing up Falsely? ( SHOULD NOT SHOW LATE OR A BALANCE THIS IS A VIOLATION OF THE FCRA 15U.S.C.1681i ) It is my understanding that all Items should be correct on my report. Account status should reflect PAID AND Payment status CURRENT. Date opened XXXX It was last active XXXX. 
This account needs to be removed. 

These ( CHARGE OFF ) ARE REPORTING Payment History each Month which should NOT since the accounts have been either closed/charged off?? This is falsely Manipulating the Statute of Limitations which is a Major FCRA Violation!!

Because of this apparent neglect in assuring everything in my credit report is accurate, consistent, and up to date Please DELETE these Items Immediately!! 

It is my understanding that under the FCRA 15 U.S.C 1681 ( i ) ( a ) every single one even each any or all of the unproven, non-complaint, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety, or the alleged accounts are to be completely Deleted. 

By the Provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX Metro 2Compliance regulations, I demand that these above-mentioned items be Actually Investigated and permanently DELETED from my Report. 
I have reached out to XXXX and XXXX and they have corrected my report. Due to Not being able to Verify the above accounts. So, I know for a FACT that you can not accurately do so? 

YOU ARE THE ONLY AGENCY THAT HAS IGNORED ALL MY PREVIOUS REQUESTS I ask that someone please fix my report, so All are reporting the same. I request that All of the above Items be Deleted off my Report... 


Thank you for your help in correcting these Items.

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 2024-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
I wanted to close a credit card I got from VENMO. There were 2 charges I didnt recognize so they advised me to label them as fraud, which I did. It turned out that 2 payments I regularly make to my DIL were the charges I didnt recognize since I make them directly thru VENMO , not on the VENMO credit card. ( They obviously did not list her as the payee, ) I only found out the payment was to her when VENMO charged her with fraud. I have responded to VENMO repeatedly that it was a mistake and there was no fraud. I have since paid her in full thru a bank transfer and VENMO has reinstated her account privileges. They have NOT reinstated mine and, in fact, are saying that I owe THEM the money. I do NOT. They did not pay any monies out. My VENMO account is still frozen and they are insisting that I pay them XXXX to put my account right. This is affecting my hitherto perfect credit score. I have written them repeatedly and had long phone conversations explaining what happened. I think the problem is exacerbated by their lack of human representatives. 
Can you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
My identity and social security card was stolen from me since XXXX any accounts opened under XXXX XXXX was made without my consent. Please close all accounts under XXXX XXXX. 
You may contact me 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 2024-02-01 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: William D. Meeker Enterprises, Inc.
State: IL

Complaint narrative:
I am filing this complaint to CIC CREDIT for not taking action. I am writing to request the removal of non-permissible credit inquiry from my credit report. My report was pulled by the following company without my authorization or knowledge. I have attached the FTC report with the report number XXXX to support this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 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: NY

Complaint narrative:
I, XXXX, XXXX XXXX, federally protected consumer, has placed numerous complaints with Equifax , Inc throughout the year via CFPB about the inaccurate reporting of non-public information..The continuous sharing of inaccurate, non-public information to my consumer credit report without my expressed written consent to my consumer credit report has been ruining my reputation and is identity theft. As a federally protected consumer, I have a right to privacy.

According to 15 U.S.Code 1681c-2, this is my official statement that all the listed accounts have been reported without my expressed written consent and therefore is a result of identity theft and must be removed. These accounts are not related to any transaction made by me, the consumer.

Please See Attached Documents which include the following : Exhibit A : Affidavit of Truth/ Cease and Desist Opt Out Confirmation ( s ) Identity theft report Passport Card ( Identification ) CAF Notice, Power Of Attorney, Fee Schedule Name Copyright

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
On XX/XX/2024 I tried using a prepaid American Express gift card ( that held a {$540.00} balance ) to purchase items from XXXX totaling {$470.00}. I know for certain that I entered the card information properly as I see two {$0.00} cent pending charges from XXXX on the card transaction summary that are probably for verifying that it is a legitimate card. However, I just got a shipping notification email from XXXX where it indicated that the packages have been shipped, but it charged my personal credit card as a backup payment option as the American Express gift card payment didn't go through. On the order details on XXXX it states " Backup payment method used We couldn't charge the American Express ending in XXXX, so we charged your backup payment method MasterCard ending in XXXX. '' Looking online it appears that many people run into the same issues that I have run into. I don't understand how you can advertise and sell a prepaid gift card product that you provide instructions for to use for stores online and yet it doesn't work. Seems pretty illegitimate that people pay money for a gift card, and money can't be taken out of this gift card for use in online purchases which is one of the intended usages of this gift card. I'll keep in mind to never ever gift anyone an AMEX prepaid gift card, and I will do my best to ensure I never receive a gift of an AMEX prepaid gift card ever again, and will do my best to alert my friends the same.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-01 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: CA

Complaint narrative:
I am requesting to review and delete XXXXXXXX XXXX XXXXXXXX this account is showing and it was opened and used during a time where I had been a victim of identity theft. I was advised at that time to report and file an FTC ID Theft Report I hadnt noticed my credit report until recently when I tried applying for credit and this showed up. Please delete

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP
State: VA

Complaint narrative:
I was given a gift card in the amount of {$100.00} in XX/XX/XXXX. I went online on Monday, XX/XX/XXXX to order pizza from XXXX  XXXX XXXX, in XXXX, XXXX Order received and processed with gift card. This was my first transaction. On Tuesday, XX/XX/XXXX, I went to XXXXXXXX XXXX XXXX XXXXXXXX, VA to purchase dinner and the cashier told me there was only XXXX cents left on the gift card. Therefore, after paying the cashier, I immediately went home to card gift card company. I was informed that a female made several purchases ( online ) using my gift card. And, I wrote the name down, too. The lady told me on the phone that I would have to wait to file a dispute and call back on Thursday of the same week. When I called back to file dispute, I was asked my name, address, gift card number ( of course ), told I would receive dispute papers in 10 days. I was also told that I would have an investigation of 45 days, blah, blah. Well, it is XX/XX/XXXX, I have not received any dispute papers and no credit to this gift card. Somewhere there is {$70.00} plus of mine floating in the clouds, and demand to get it back. I called the gift card company just now and after being put on hold on XXXX minutes, they can not find my gift card or any information. What is that all about? Any assistance you can provide will help.

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 2024-02-01 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:
I am filing this complaint to EQUIFAX for not taking action. I am writing to request the removal of non-permissible credit inquiry from my credit report. My report was pulled by the following company without my authorization or knowledge. I have attached the FTC report with the report number XXXX to support this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
My identity and social security card was stolen from me since XXXX any accounts opened under XXXX XXXX was made without my consent. Please close all accounts under XXXX XXXX. 
You may contact me XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have disputed the same four accounts with XXXX, XXXX and Transunion for at the very least 6 months. XXXX and XXXX both have deleted the accounts listing me as a victim of fraud. Transunion has deleted only one account ( XXXX XXXX ) but continues to report the other XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as being verified. Each time transunion responds at almost the 30 day mark. I have requested the method of verification and I have yet to receive anything disclosing this process that keeps returning 3 of the 4 items as being verified. I find it hard to believe that Transunion is actually investigating my disputes especially when the other 2 agencies have resolved the matter. My information has been leaked in almost all of the date breaches that these agencies have had yet Transunion is the only one that is determined to keep false information on my report. I understand its a business but I do have rights that are supposedly protected by the FCRA and other codes and they are all being violated by Transunion.

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 2024-02-01 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: MS

Complaint narrative:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I have a checking account with chase. My boyfriend got a settlement check from a XXXX XXXX, he doesn't have a bank account and his state ID expired so he wouldn't be able to cash the check or open an account and deposit it so he deposited it in my account. Now there is a hold on his funds and my account is restricted until they can verify him. They told me the only way they can do that is with a phone number registered in his name. This morning he opened a phone line with XXXX in his name. I called chase and gave them his number but they're saying it could take weeks to months for his information to update in his system. I've asked multiple supervisors if there is any other way to verify him and they all tell me no.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Oh, money to the banks that I paid not sure why its not off my credit. Hopefully you guys can send me a card so I can pay off my debt.

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 2024-02-01 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: AR

Complaint narrative:
Fraudulent account reporting to my credit report. Please remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I called Truist on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  and spoke to customer service and advised them payments were being reported late negatively affecting my credit report.

The payments that are being reported on my credit profile violate my consumer rights under FCRA Consumer Law 15 USC 1666B. As a long- time customer that has had exceptional payment history with Truist XXXX I am appalled that they will violate my consumer rights in such a manner that is detrimental to me achieving a good credit profile which affects my approval for other accounts. 

After speaking with Truist customer service, they were not helpful and didn't listen to as a long-time customer. They advised me there was nothing they could do, although they were aware my consumer rights had been violated. I can not believe a company of this magnitude doesn't care about their customers consumer rights. 

Truist is tarnishing my name and credit profile by reporting these late payments inaccurately without my consent. As well as my creditworthiness, character, and my general reputation which is also against the FCRA

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 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: IL

Complaint narrative:
I insist on the immediate correction of this error. I earnestly implore you to rectify this situation promptly and ensure that my account truthfully reflects my history of on-time payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 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: TN

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2024-02-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC
State: AR

Complaint narrative:
Fraudulent account open in my name without my permission

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 2024-02-01 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: MS

Complaint narrative:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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 2024-02-01 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: MS

Complaint narrative:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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 2024-02-01 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: MS

Complaint narrative:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I had my money deposited on XX/XX/XXXX from XXXX XXXX app And on XX/XX/XXXX I tried to withdraw my money instantly and it did not work then I tried to withdrawal my money standard and it went thru but was saying pending for 2 days and my account got frozen instantly then on XX/XX/XXXX my money returned to my Venmo account. I THEN GOT a email saying my account was permanently closed and I have sent in multiple emails and called them multiple times and no one is helping or explaining to me why my account is permanently closed I just need my money

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have a CD with Capital One Bank, which had maturity date of XX/XX/year>. On XX/XX/year>, I renewed the CD for a term of 10 months at 5.30 % APY. Please see saved screenshots of each step of renewal process which confirmed the renewal. 

When I checked my CD details on XXXX XXXX, I noticed that my CD had been renewed for 10 months at 4.35 %, which is almost one percentage point less, please see attached screenshot # XXXX. 

On XXXX XXXX I talked with XXXX XXXX XXXX, Market Manager at the bank branch located at XXXX XXXX XXXX XXXX, XXXX, VA XXXX. After some investigation, I was informed that I was given a different lower rate, because I had renewed my CD a few days before maturity. 

I told XXXX XXXX that nowhere in my renewal confirmation is there a warning that my CD would be renewed at a different, lower rate than what was actually confirmed. He said he would investigate further but as of today I have not heard back from him. 

The confirmation screenshot # XXXX clearly states returns guaranteed and 10 Months ( XXXX ). 

Can you please investigate this issue with Capital One Bank. 

Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation