vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I reviewed my Consumer Report and noticed that I had a late payment on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. 

I have never been late on payments for the account : XXXX. Account XXXX : XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated on time as they should be as I was NEVER late. 

Thank you.

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 2024-07-16 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: OH

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-07-16 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: FL

Complaint narrative:
I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP
State: NM

Complaint narrative:
Closed my account because of a disagreement with branch managXXXX and never being able to get online banking. I was treated as I was not telling the truth in regards to an ATM eating a deposit. Even though I had a receipt of proof and time. There was also a ticket for maintenance during the time frame. All that being said I advised the branch manager at US Bank XXXX XXXX XXXX XXXX XXXX, XXXX, NM XXXX to close my account. Not a care in the world because of my frustration the branch manager said I can not close the account because you have pending charges. I took cash out of pocket to clear the outstanding balance and any pending charges. Keeping in mind the ATM the night before ate a deposit of around XXXX XXXX dollars. Once I provided the manager with cash out of my pocket I was told the account was closed. Months later I discover the account was not canceled and I owed money for a pending transaction that came out before I canceled my account. I also want to mention I did get a refund check for the money the ATM took from my deposit around a month after I canceled my account. A refund check was sent to me in the mail. If I owed anything, why was the money not taken out of the refund amount. Just to recap that is the whole reason I paid cash out of pocket. I have requested documents to verify information and I was denied. I was never able to access my online account from day one of opening my account. This was another reason I wanted my bank account canceled. I am unable to get any help from the branch I had the issue with. I have wrote a letter to the attorney general in regards to this as well I hope this complaint reaches the right people. I have been turned into collections and I think this needs to be reversed ASAP.

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 2024-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/XXXX and XXXX, 2024 several unauthorized withdrawals totaling {$6000.00} were made from our savings account using XXXX XXXX, which had been linked to XXXX of our debit cards. The withdrawals were made one right after the other in the amounts of {$40.00}, {$60.00}, and {$100.00} from the same ATM at a bank branch. 

When we realized this we alerted the bank, which returned the funds to our account while they investigated. Upon concluding the investigation, that bank removed the funds from our account stating that the withdrawals were not made fraudulently. 

I went to our local branch of the bank and the employee investigated for me and discovered that the bank refused the claim because it appeared that the initial withdrawal had been made with a PIN. The subsequent withdrawals were made using XXXX XXXX, which had been linked with the account. To me, this would indicate that the debit card was skimmed or shimmed, including the PIN as the debit card in question was never linked in an XXXX XXXX. The bank indicated that the account was added on XXXX to a device. 

The bank employee referred the claim to the corporate office, I believe. And I have filed a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-16 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-07-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
TO THE CONSUMER PROTECTION AGENCY XX/XX/XXXX PAYPAL REFUSED TO FULFILL THEIR CONSUMER PROTECTION WARRANTY AND PAY REFUND FOR AN ITEM NOT DELIVERED THEN NOT AS DESCRIBED. THE ORIGINAL PURCHASE WAS MADE WITH PP TO A SPANISH COMPANY : XXXX, ON XX/XX/XXXX FOR A PAIR OF CUSTOM-MADE SIZE XXXX XXXX XXXX XXXX EURO, XXXX ( RED PINK ) PROFESSIONAL GRADE FLAMENCO SHOES AND SHIPPING FOR {$170.00} XXXX OR ABOUT {$220.00} XXXX WITH A 90 DAY DELIVERY. IN XX/XX/XXXX, AT 120 DAYS AND 30 DAYS PAST DUE I EMAILED THE COMPANY FLAMENCISTA FOR MY ORDER. ISNT XXXX MORE EMAILS. THEY IGNORED MY EMAILS AND DID NOT REPLY. 
I MADE A CLAIM TO PAYPAL FOR REFUND FOR NON- DELIVERY. Paypal XXXX XXXX XXXX XXXX XXXX XXXX, CHANGED TO ITEM not as described IN XX/XX/XXXX PP CONTACTED THE VENDOR AND THEN THE VENDOR FINALLY EMAILED ME. I INSTRUCTED XXXX TO CANCEL THE ORDER AND ISSUE A REFUND BECAUSE DELIVERY WAS PAST DUE. 

THE VENDOR SENT ME A PACKAGE INSTEAD IN XXXX, XXXX, CONTAINING AN ITEM NOT AS DESCRIBED : IT WAS A NON-PROFESSIONAL GRADE, OFF-THE-SHELF SHOE, IN ONE-COLOR AND WRONG SIZE. 
I RESUBMITTED THE CLAIM FOR ITEM NOT AS DESCRIBED. PP TOLD ME TO RETURN IT I ASKED THE VENDOR FOR A RETURN ADDRESS AS THEY HAVE XXXX LOCATIONS. PP SAID THEY WOULD REQUEST THE RETURN SHIP ADDRESS, ALSO. PAYPAL STRUNG ME ALONG FOR XXXX WEEKS DELAYING THE REFUND, CLOSING AND REOPENING THE CASE, HOLDING IT UNDER REVIEW, ASKING FOR MORE REDUNDANT INFORMATION, WAITING FOR VENDOR REPLIES, PROMISING ME A REFUND ON EVERY CALL AND NEVER PROVIDING REQUIRED SHIPPING ADDRESS OR ISSUING THE REFUND. 

ON XX/XX/XXXX, I SENT A LETTER DETAILING THE HISTORY VERIFYING FACTS. ON XX/XX/XXXX, THE PP REP TOLD ME THEY WOULD ONCE AGAIN REQUEST THE SHIP ADDRESS FROM THE VENDOR AND RESOLVE MY CASE IN 3 DAYS IF THE VENDOR DID NOT REPLY. ON XX/XX/XXXX, PP REP TOLD ME THEY HAD THE VENDOR RETURN SHIP ADDRESS AND WOULD EMAIL IT TO ME. ON BOTH CALLS THE XXXX SAID THEY WOULD SEND ME AN EMAIL TO CONFIRM. NO EMAILS WERE SENT I CALLED ON XX/XX/XXXX FOR THE EMAIL INFORMATION AND WAS TOLD MY CASE WAS CLOSED FOR LACK OF RESPONSE THAT HAD OCCURRED XXXX WEEKS EARLIER IN XXXX. THIS IS AFTER MY CASE HAD REOPENED AND CLOSED TWICE SINCE THEN IN ADDITION T XXXX OTHER CLOSE RE-OPEN EPISODES. 
PAYPAL HAD USED FALSE CLAIMS AND DELAYS TO DEFRAUD ME OF MY PURCHASE REFUND AND FAILED TO COMPLETE THE BUYER PROTECTION WARRANTY

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
My old CFPB case number is XXXX Hello my name is XXXX XXXX what is the updated on my complaint and please also close my account. Please call me at XXXX I still need help closing my account out I never received the code in the mail still please resent it to me. Please close my account and send me proof when it is closed and my contact email is XXXX please email me back please resent me the letter I never got it to XXXX XXXX XXXX XXXX PA XXXX thanks please.

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 2024-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VT

Complaint narrative:
I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score. Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inacurrate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.

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 2024-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Glass Mountain Capital, LLC
State: NY

Complaint narrative:
I received a debt collection notice from Glass Mountain capital claiming that I owe XXXX from a past due account with XXXX XXXX XXXX. This is not my debts, I have never had an account with this bank

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 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 am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2024-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I have had security issues with my Citizens Bank checking accounts, particularly my personal account. I closed my original account, at the request of the bank as well as a subsequently account opened by the bank, that were subject to fraud. On XX/XX/XXXX, the bank arbitrarily closed the account, prevented me access to almost {$35000.00} of my funds and dishonored at least XXXX payment. When I called Citizens, I was referred to the fraud department. I was eventually told by a Citizens fraud agent that my relationship with the bank was terminated and that the my funds would be withheld until Citizens released them. On XXXX, I received a letter dated XX/XX/XXXX, informing me that on XX/XX/XXXX, at the close of business, I would be sent a check for the balance of the account. At all times during events, I have cooperated with the bank and have done everything they suggested to address the fraud issue. The issues were not caused by any intentional action or inaction on my part. The letter of XX/XX/XXXX suggested that I call my branch in XXXX, Massachusetts with any questions. As the bank was closed by the time I received the letter on XX/XX/XXXX, I called the branch on XX/XX/XXXX requesting information and, most importantly, access to my funds. I was promised a call back that day but have yet to receive XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

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 2024-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Help me to unlock my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Help me to unlock my credit reports

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 2024-07-16 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: WI

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2024-07-16 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: GA

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-07-16 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: EQUIFAX, INC.
State: MA

Complaint narrative:
These inquiries was not authorized by me and I did not communicate with this under the specified date

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 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: WI

Complaint narrative:
My account with XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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 2024-07-16 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: WI

Complaint narrative:
My account with XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 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:
PLEASE BLOCKED AND REMOVED. 
Please delete this inaccurate entry from my credit report. I did not authorize or acknowledge this account. Enclosed are the documents supporting my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
A hard inquiry was done on my credit account which I did not request or apply. This made a dent on my score and Equifax report, an inquiry from : XXXX XXXX, XXXX XXXX Date : XXXX XXXX, 2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX

Company response to consumer: Closed with explanation