vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-21 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: GA

Complaint narrative:
To ensure that your company is reporting accounts 100 % accurately, I would like to know the procedures used to investigate these inaccurate accounts. Did you even conduct an investigation because it is still not reporting 100 % correctly? Its sad that your company would ignore the FTC guidelines in regard to your investigation efforts. I wonder if other consumers are being affected by your lack of investigation. I would like to know to whom you talked with at the collectors office when you started your investigation? Also, please send me their complete address. In addition, please do not send your template letter on how you conduct an investigation. I want details on how you did this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-21 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: GA

Complaint narrative:
To ensure that your company is reporting accounts 100 % accurately, I would like to know the procedures used to investigate these inaccurate accounts. Did you even conduct an investigation because it is still not reporting 100 % correctly? Its sad that your company would ignore the FTC guidelines in regard to your investigation efforts. I wonder if other consumers are being affected by your lack of investigation. I would like to know to whom you talked with at the collectors office when you started your investigation? Also, please send me their complete address. In addition, please do not send your template letter on how you conduct an investigation. I want details on how you did this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I need to stress that this complaint isn't a mistake. My credit report has inaccuracies that aren't assured to be the maximum possible accuracy. These errors are really weighing on me and is continuing to affect me negatively in ways you can not begin to imagine, these are trying times and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or removed.

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 2024-06-21 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: NJ

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2024-06-21 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I am a state resident of Texas and received a prepaid gift card with {$25.00} on it. The packaging said no fee and such. Today, when I went to activate it, I was surprised it was {$0.00}, and they shared it was due to not registering the card ; when I try to register the card on their website, I keep getting an invalid card number. When I called in they advised me to keep trying as they can not help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-06-21 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: TX

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health|

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 2024-06-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
Venmo permanently deactivated my account and refuses to release my XXXX $ out of my balance I provided identification documents and everything and they still are trying to make me wait 180 days its been 90 days now and they still have not released my money I have not been able to pay my rent since they restricted my account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV FINXACT CORE
State: NJ

Complaint narrative:
I am out of work after a XXXX XXXX XXXX. I had been waiting for my temporary XXXX funds for about 5 weeks. I had received nothing by mail, or email ; but I remembered I had a card and account for XXXX from 3 years ago when I went out on paternity leave. 

I logged into the moneynetwork app on XXXX. I saw that there was almost {$5000.00} deposited on XX/XX/XXXX. On XX/XX/XXXX, someone apparently had hacked my account, and sent {$4500.00} to a bank account that is not mine ( ending in XXXX ). So I called the number on the back of the card. She told that we caught it in time, and she would cancel the transaction, and the money would be put back on the card. 

Then, XXXX, I see that the money was not back in the account. So I called again to make sure that it would be put back innow they say its too late, we have to open a dispute. I waited for the dispute paperwork to get to my house, I filled it out, and sent it back. Within a week, I got a letter, stating that my dispute was denied, and there was nothing wrong. Now, it's XX/XX/XXXX, I immediately called and spoke to a representative. She told me who to email, and exactly what to put in that email to appeal the decision ( to appeal the decison, stating that the account, XXXX does not belong to me ). A couple of weeks go by, and I still haven't heard anything. XXXX, I called to make sure that they got everything and that my case was being looked into... they said that it is. A couple of more weeks go by, and I still haven't gotten any correspondence in the mail or a response via email. I called again this morning, XX/XX/XXXX. They said that my appeal was denied for not supplying any additional information. I don't know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am writing to dispute an account listed on my credit report. The account ending in XXXX was a credit card account for which I was only an authorized user. I was removed as an authorized user before my mother closed this account, however, it's still showing that I'm an authorized user on a closed account. I called multiple numbers for Citi, including multiple customer service numbers and their credit counseling department. Nobody was willing or able to remove me as an authorized user, and it's having a negative impact on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-21 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:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

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 2024-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Kindly take the time to thoroughly review the attached documents. It's important to carefully examine these materials to ensure a comprehensive understanding of the information provided. Your attention to this matter is greatly appreciated.

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 2024-06-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: FULTON FINANCIAL CORPORATION
State: NJ

Complaint narrative:
in XXXX i was in foreclosure proceedings and they would not negotiate the 2nd mortgage. I ended up brining the first mortgage current. Then called Fulton to work on paying 2nd mortgage. They advised me it was charged off. Eighteen months later I was contacted by a attorney representing Fulton demanding payment. I entered agreement to make payments. Since that time Fulton has not been posting payments correctly and causing me to incur % on principal balance unnecessary. In XXXX they held 12 mths of payments and did not credit correctly- resulting into me incurring unnecessary interest charges on the principal balance. Now they are running months behind cashing my check and crediting my account. Each month interest is incurred off the principal balance. Their neglect to credit my account timely results in unnecessary excessive interest. I have written them numerus times. They did correct the non credit amount in XXXX- but DID NOT audit my account to credit me the unnecessary interest charges. The attorney will not even respond in timely manner- i have to demand filing a complaint. This is violation of ethics and is causing me monetary damage. I am a senior citizen and being treated unfairly. I have made payments on this account since XXXX and it still has the same balance due to their mistakes. Noone cares

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 2024-06-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: John C. Heath, Attorney at Law, PLLC
State: CO

Complaint narrative:
Lexington law firm send me a letter saying I owe sprint XXXX and I've never had them before in my life

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-06-21 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-06-21 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: TX

Complaint narrative:
My credit is important to me. I have a genuine concern regarding the inaccurate information I am seeing on my report. These inaccuracies are creating constant stress whenever I can not get approved for new 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 2024-06-21 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: TX

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc

Complaint narrative:
It was XX/XX/XXXX that my account is permanently limit XXXX  and i have a XXXX in that account.. 
And he ask me to upload my id and i upload it.and my account is permanently limit without any valid reasonXXXX 

Can you please help me to remove permanently limit in my paypal account?? pleaseXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Chime Financial Inc
State: FL

Complaint narrative:
Chime and XXXX have received a letter of credit by consumer along with principal information like social security account number. Chime and XXXX have taken my receivable to use for their benefit while holding my credits in escrow or trust instead of extending the same credit of at least $ XXXX {$500.00}. Not only that but chime claims they to generate credit limits. When it is a transfer agent responsible for my consumer paper and the extension of credit offered and advertised to the consumer.i have asked chime to release to me HOW they've calculated my remuneration since their electronic calculations differ from their My Pay Agreement section 4. This consumer has supplied third party information to chime in accordance with the terms and conditions in order to participate in MyPay Yet my limits aren't calculate properly. My income is not {$110.00}? And my limits shall be higher

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
on XX/XX/XXXX I called the Citi Bank Visa card customer service number to close my credit card account and I wanted to do it before the annual {$99.00} fee was due. My card balance is paid in full except for the {$99.00}. This card was a AAdvantage Platinum Select Card. After XXXX hour and several customer service people I was told they were unable to help me or my wife and to call back. We were further told my name is no longer on the account and would only speak to us if my wife was present, which she was. We called back on XXXX XXXX XXXX XXXX, and finally today XX/XX/XXXX. After about an hour each time I was told to call back that they we unable to access my account and close it. After all of our attempts my wife and I are at our wits end, and all this just to close my account. At this point we are just asking this Federal Agency to 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 2024-06-21 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: NJ

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX Account # : XXXX XXXX no authorization improper reporting, Account name XXXX XXXX XXXX XXXX XXXX XXXX, Account name : # XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account # : XXXX XXXX I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and/or not accurate. According to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief