vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-07 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:
I am writing to file a formal complaint regarding the inaccurate information on my credit report, which I previously reported to Experian on XX/XX/XXXX. However, I have not received any response from them to date. I kindly request your assistance in addressing this matter. 
Below, I have outlined the details of the inaccurate information on my credit report, along with the required corrections : Inaccurate Account Information Company Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$900.00} Request : Please correct this inaccurate information on my credit report as this account was never late. 


Inaccurate Account Information Company Name : XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Request : Please correct this inaccurate information on my credit report as this account was never late. 


Inaccurate Account Information Company Name : XXXX Date Opened : XX/XX/XXXX Balance : {$7300.00} Request : The reported balance of {$7300.00} is higher than the amount I remember. Additionally, as this account is closed, the past due amount should not be provided. I intend to address this misleading data with the creditor directly. In the meantime, please mark this account as disputed while I work towards finding a resolution. 


Inaccurate Account Information Company Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$42000.00} Request : The reported balance of {$42000.00} is higher than the amount I recall. Furthermore, as this account is closed and charged-off, the past due section should be removed. I plan to discuss this matter with the creditor to clarify the reported data. Please mark this account as disputed until the appropriate corrections are made.

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 2023-07-07 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: VA

Complaint narrative:
Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and XXXX. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.

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 2023-07-07 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: VA

Complaint narrative:
Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and XXXX. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX FL XXXX, is the only address deliverable to me by mail. All others addresses are incorrect. please remove all other addresses.

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 2023-07-07 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: NY

Complaint narrative:
I have submitted a dispute with transunion expressing that i am unaware of this account that is reporting by this credit reporting agency and they have not properly done an investigation because the account is still reflecting and negatively impacting my credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
We sold our house and received a closing check from the buyer with my husband 's and my name on it, the amount of {$480000.00}. I deposited the check to my Chase bank checking account on XX/XX/XXXX after my husband and I both signed the back of the check. Fund was cashed out of the buyer account as of XX/XX/XXXX but there was a 10-day holding from Chase bank because it was a large check. On XX/XX/XXXX, Chase bank closed my checking and saving account without any notification. When I called the bank, they said that they could not verify my husband 's name on the check and they could not release the money until they were able to verify him and they were closing my account with no reasons. The only way they could verify is that they are using their own internal phone number verification system and the phone number I gave to them is not registered under his name or does not match with their internal system. My husband 's phone number has been his since XXXX through XXXX who confirmed that the phone number is indeed under his name. When I called the buyer 's agent to ask whether they could void the check and reissue it, they told me that fund has been out of their account and there is nothing they can do about it from their end. I don't know how to get my money back from the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 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:
There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.

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 2023-07-07 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: IL

Complaint narrative:
On XX/XX/23 at XXXX, I received an email from PayPal announcing they permanently limited my account because they found potential risk. I have a balance of {$3100.00} in my PayPal account at the time of this email. They will hold these funds for up to 180 days. 

I messaged PayPal immediately asking about the situation and if there was any documentation I could provide to clarify whatever this risk might be. 

I received a response at XXXX, stating their decision to close the account was final. I know they can close an account for any reason, but they refuse to give me a reason. The claim that " In order to protect the integrity of the PayPal Service, we can not disclose the specific criteria that we sometimes use to limit access to accounts. '' I reviewed these potential reasons in their User Agreement and Acceptable Use Policy and the disclosures are so vague its impossible for me to determine what went wrong and they won't tell me. But they plan on holding my money for 180 days and they " reserve the right to close any account reported to be involved in possible fraudulent or high-risk behaviour. In the event of a dispute, PayPal will seek to recover the funds from you by debiting your PayPal balance. '' If this was due to a dispute they should be able to tell me that. I should see the dispute in my resolution center and there are no logged disputes there. As a result, there should be no reason to remove any of these funds from my account since they claim they would do that only in the event of settling a dispute. I use the XXXX XXXX  so that I get the merchant protections for running EMV chip transactions. I should have those protections against any disputed transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving 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 2023-07-07 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: IL

Complaint narrative:
I noticed a couple months ago that XXXX was reporting I owed student loans in the sum of XXXX I never took out student loans I always was on a XXXX XXXX. I contacted XXXX to tell them that the loans were not mine they responded that XXXX verified the loans were mine. I contacted XXXX they stated that loans were in the name of XXXX XXXX and he signed the promissory note with being said XXXX stated that they didn't have proof of me owing this debt because they were a third party. With that being said it a clear violation of the fair credit reporting act if XXXX can't provide me with a contract agreement between all parties involved and signed. A police report was filed as well the number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX of the 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 2023-07-07 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I noticed a couple months ago that XXXX was reporting I owed student loans in the sum of XXXX I never took out student loans I always was on a XXXX XXXX  I contacted Equifax to tell them that the loans were not mine they responded that XXXX  verified the loans were mine. I contacted XXXX  they stated that loans were in the name of XXXX XXXX and he signed the promissory note with being said XXXX stated that they didn't have proof of me owing this debt because they were a third party. With that being said it a clear violation of the fair credit reporting act if XXXX  can't provide me with a contract agreement between all parties involved and signed. A police report was filed as well the number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
On my report are old address that are not mines and I ask several times to remove those that are not associated with me and the refuse to do so. Then show the amounts saying owed and it's not suppose to so amount for anyone to see and know inaccurate information. XXXX, XXXX, as well as experion they are not even real credit bureaus with a .com at the end of their names in my opinion. They should be stop from doing this and putting wrong SS # on my account and linking them to me when ask to remove they say oh its your SS #.

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 2023-07-07 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 — Problem with personal statement of dispute
Company: Self Financial Inc.
State: TX

Complaint narrative:
Dear sir/mum There is so much complaint about self inc that you people are still egnoring to this day. 

XXXX a victim of self inc fraudulent reporting .Are they getting paid to report negative things? 

I respectfully request your prompt attention to the following inaccurate information on my credit report. The following item is inaccurate negatively affecting my credit please re-investigate this matter and delete end or corrected speeded item. I respectfully request that you provide me with proof of the disputed item specifically any contact note court document or any instrument be having my signature. Failing that this item must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, 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: SC

Complaint narrative:
After reviewing my credit report, I noticed an unauthorized inquiry from XXXX XXXX. I have attempted to correct this to no avail. I have XXXX accounts with XXXX XXXX and have not applied for additional 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 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the following items on my credit report : 1. XXXX XXXX account ending in XXXX, which was charged off. 

2. XXXX XXXX account ending in XXXX, which was also charged off. 

3. XXXX account from XXXX XXXX XXXX ending in XXXX. 

4. Collection account from XXXX XXXX XXXX XXXX XXXX XXXX  ending in XXXX. 

5. XXXX account from XXXX XXXX  ending in XXXX. 

6. Charge off account from XXXX XXXX XXXX XXXX. 

7. Charge off account from XXXX ending in XXXX. 

8. Inquiries from XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. 

I believe these items are inaccurate and not reported in compliance with the Fair Credit Reporting Act ( FCRA ). As per the FCRA, credit reporting agencies are required to report accurate information and conduct reasonable investigations into any disputed items. 



I am disputing the accuracy of the aforementioned accounts as I have reason to believe that the accounts were not reported accurately. I have never held accounts with XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Bank, XXXX XXXX XXXX. Furthermore, I did not authorize XXXX XXXX to conduct an inquiry into my credit report on the dates mentioned. 



I request that you conduct a thorough investigation of these accounts and remove them from my credit report if they are found to be inaccurate. I also request that you provide me with a free copy of my credit report once the investigation is complete. 



Thank you for your attention to this matter. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XX/XX/23 at XXXX XXXX I have had a credit card with this company for XXXX. I also have another credit card and was trying to talk with this company to transfer the balance of the other card to them. I wanted to work with them to get the lowest APR rate on the transfer amount or, try to get it interest free for a period of time. Everyone I talked to repeated the same thing, could never provide me an APR rate on the transfer and when I asked to talk with supervisors I would be transferred to other people who would transfer me to other people and finally was given a " direct number to our specialty department '' to call for assistance which turned out to be their general customer service department. I was placed on hold for 15 minutes and, twice was disconnected from their system. I realize I am just a small entity compared to what Citi typically deals with however, I find this to be horrible service. Especially when I ask what department manages balance transfers and am told " Customer Service does everything '' which I feel is not true especially with a company this size! The company is Citibank-

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 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX Bank regarding their repeated inaccurate reporting of late or past-due payments on my accounts. Despite my continuous efforts to rectify this issue, the creditor has failed to update my account information accordingly. 

I have experienced this problem numerous times with XXXX XXXX Bank, and despite disputing the information twice, the account verification has come back unchanged. This situation is not only frustrating but also damaging to my credit history. 

To provide you with specific details, I made payments to XXXX XXXX Bank on XX/XX/XXXX, with the respective amounts of {$110.00} on the account ending in # XXXX and {$96.00} on the account ending in # XXXX. I have confirmation of these payments from my checking account, which ends in # XXXX. Therefore, I can confidently assert that I am not late or delinquent on my payments. 

Despite the evidence of my timely payments, I was recently marked for XXXX as delinquent again by XXXX XXXX Bank. It is clear that there is a recurring issue in accurately reflecting my payment history, and the bank has been unresponsive to my requests for updating the account accordingly. 

I kindly request the intervention of the Consumer Financial Protection Bureau to address this matter and ensure that XXXX XXXX Bank accurately reflects my payment history. I urge you to investigate this recurring problem and take appropriate actions to rectify the inaccurate reporting. 


Thank you for your prompt attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to resolve this issue and ensure fair and accurate reporting by XXXX XXXX Bank. I look forward to a swift resolution of this dispute.

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 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: ME

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX Bank regarding their repeated inaccurate reporting of late or past-due payments on my accounts. Despite my continuous efforts to rectify this issue, the creditor has failed to update my account information accordingly. 

I have experienced this problem numerous times with XXXX XXXX Bank, and despite disputing the information twice, the account verification has come back unchanged. This situation is not only frustrating but also damaging to my credit history. 

To provide you with specific details, I made payments to XXXX XXXX Bank on XX/XX/XXXX, with the respective amounts of {$110.00} on the account ending in # XXXX and {$96.00} on the account ending in # XXXX. I have confirmation of these payments from my checking account, which ends in # XXXX. Therefore, I can confidently assert that I am not late or delinquent on my payments. 

Despite the evidence of my timely payments, I was recently marked for XXXX as delinquent again by XXXX XXXX Bank. It is clear that there is a recurring issue in accurately reflecting my payment history, and the bank has been unresponsive to my requests for updating the account accordingly. 

I kindly request the intervention of the Consumer Financial Protection Bureau to address this matter and ensure that XXXX XXXX Bank accurately reflects my payment history. I urge you to investigate this recurring problem and take appropriate actions to rectify the inaccurate reporting. 


Thank you for your prompt attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to resolve this issue and ensure fair and accurate reporting by XXXX XXXX Bank. I look forward to a swift resolution of this dispute.

Company response to consumer: Closed with explanation