vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-13 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This is my sixth endeavor to inform the Credit Bureaus that I was a victim of identity theft and I complain to question specific accounts in my document coming about because of the wrongdoing. The last letter I sent to Experian was XX/XX/XXXX. The accounts I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. The Experian Credit Bureau took no action in order to remove the fraudulent accounts from my credit file and became non-compliant of the FCRA section 605b. Experian continued reporting these accounts without conducting proper verification which in many ways is a violation of the Federal Law : the Fair Credit Reporting Act. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to the Theft of my Identity. I am submitting this complaint so that Experian would take action and remove the following accounts completely from my Credit report : ( XXXX  XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} )

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 2022-07-13 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: GA

Complaint narrative:
On XX/XX/2022, I requested an investigation on a late payment for the account, XXXX XXXX XXXX XXXX. The results came back with the Payment History being corrected and updated to no late payments but the Payment Status still reflects negative. In XX/XX/2022, I contacted via a Certified Letter indicating the Payment Status was still reporting inaccurately. Equifax refuses to correct and update the Payment Status for the account XXXX XXXX XXXX The Payment History has been updated to no late payments but the Payment Status is still incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX Account XXXX : XXXX As a consumer by law this account must be deleted immediately 2. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX Account XXXX : XXXX As a consumer by law this account must be deleted immediately 3. Unverifiable no data information XXXX XXXX Account Number : XXXX Delete account for failure to perform an investigation 4. Unverifiable no data information XXXX XXXX Account Number : XXXX Delete account for failure to perform an investigation 5. Unverifiable no data information XXXX XXXX Account Number : XXXX Delete account for failure to perform an investigation 6. Unverifiable no data information XXXX, XXXX Account XXXX : XXXX Delete account for failure to perform an investigation 7. Unverifiable no data information XXXX, XXXX Account Number : XXXX Delete account for failure to perform an investigation 8. Unverifiable no data information XXXX, XXXX Account Number : XXXX Delete account for failure to perform an investigation

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 2022-07-13 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: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the fair credit reporting act XXXX account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 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: GA

Complaint narrative:
On XX/XX/2022, I requested an investigation on a late payment for the account, XXXX XXXX XXXX XXXX. The results came back with the Payment History being corrected and updated to no late payments but the Payment Status still reflects negative. In XX/XX/2022, I contacted via a Certified LetteXXXX indicating the Payment Status was still reporting inaccurately. TransUnion refuses to correct and update the Payment Status for the account XXXX XXXX XXXX. The Payment History has been updated to no late payments but the Payment Status is still incorrect.

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 2022-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paxful Holdings, Inc.

Complaint narrative:
A peer to peer crypto exchange platform called PAXFUL or PAXFUL.COM put my account on hold without providing any reason. They also restricted my account and all my money for 3 months which is totally unacceptable. This Paxful company is a scammer company I didn't know about it I am sorry but sooner or later they ban you or hold your money sometimes for years. I am sure there was a lot of complaints against this company and I am one of the victim who lost his money on this PAXFUL.COM Scam and also rest of my money was hold in their hands and they do whatever they want with it. How can this Paxful Scammer be so comfortable to do all this bad things and still getting away with it. PAXFUL Should be banned, PAXFUL IS A FRAUD SUPPORTER AND SCAM PROTECTER. PAXFUL will steal people 's hardly earned money with providing safe looking platform but everything is a lie PAXFUL.COM is a SCAM

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Early Warning Services, LLC
State: MO

Complaint narrative:
There were multiple XXXX $ transaction using zelle and XXXX XXXX $ transactions that I did not to do I do t know what they are for but it has made me behind on Bill 's and they tell me that it could b another 10 days b4 I can get my funds back and then it's only going to v part of them. I have called talked the the draud department multiple time on this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Some one tried to open a Credit card of XXXX XXXX XXXX last weak and this week some one tried to open a Credit card of XXXX XXXX XXXX this is reported to me from Experian to me they had me add Fraud Alert but that did not help on the second attempt

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 2022-07-13 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: DC

Complaint narrative:
I've contacted LCI with a letter and I will place the letter below, and they never answered my questions on how they got permission or do have a wet signature on hand just a copy of bankruptcy info and stated it's public knowledge well. I do have a letter as well from courts stating that do give information to credit bureaus, so that's a lie. Here is the letter below and I'll attach there response. 


LCI LCI Consumer Center XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX XX/XX/2022 Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following items below to be an error. 

XXXX XXXX Bankruptcy- Case Number, Closing Date, Court, Date Filed The credit bureaus stated they received information from LCI XXXX 

LCI also has my updated address ( bill ) on file as well. 



According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through the physical verification of the original signed consumer contract, all accounts that you post on a credit report. 



I understand the under 15 U.S.C. See 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 



If this information is verified with proof that this is me using SSN, DOB and wet signature, please send back with a copy of who and how they verified it. If not, I demand that this is removed immediately. 


Please send an updated copy of my credit report to the address above. According to the act, there shall be no charge for this updated report. 



Thank you for your time and help in this matter. 



Sincerely, 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 2022-07-13 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:
I have a problem with Experian Response to my CFPB Complaint # XXXX in that it is the same as your last response : we contacted the data furnisher and asked them to verify the accuracy of the information with which you disagree. They responded and verified that the disputed information was accurate as reported When you accepted this response from XXXX XXXX, you failed to do as you further stated in your response : If, after processing, we find that the disputed information is inaccurate, incomplete or can not be verified, we then delete or modify that information, as appropriate. 
Well, part of your processing should be the review of the information that I sent you. If you take a took at XXXX XXXX XXXX XXXX XXXX dated XXXX XX/XX/XXXX, you will see that I was 30-days late in my payments to them on XXXX XX/XX/XXXX, and not on XXXX XX/XX/XXXX, which is when they reported that I was 30-days late on my payments to them. 

XX/XX/XXXX - {$670.00} - {$310.00} - {$350.00} $ XXXX Regular Payment NSF Fee Assessment THIS INFORMATION COMES FROM XXXX XXXX XXXX XXXX STATEMENT ' DATED XXXX XX/XX/XXXX- YOU MUST READ IT The above extra from XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XX/XX/XXXX, I was 30-days late on my payment # XXXX, and it also says that I stopped paying them in XXXX of XXXX. This XXXX XXXX report contradicts the reports that they submitted on XXXX XX/XX/XXXX The difference in the two dates, XXXX XX/XX/XXXX and XXXX XX/XX/XXXX, makes their XXXX XX/XX/XXXX report to you as False or inaccurate. The Loan History that they provided at the time shows that I paid them until XX/XX/XXXX, If you take a look at the extract of their Loan History Statement, you will see that my LAST PAYMENT to them was in XXXX of XXXX. Given these two facts, without a need to contact XXXX XXXX, anyone in your company who understand English should realize that XXXX XXXX reports submitted to you on XXXX XX/XX/XXXX are inaccurate, therefore, you should remove/delete their reports from my credit record. If you read my entire complaint, you will see that the facts that I provide, which are based on XXXX XXXX own data, will render the reports that they submitted to you as false or inaccurate. 
I am going to continue sending this complaints to CFPB until an honest person in your company reads the contents of this complaint, and the contents of the attached two files : Feedback to Experian Response to CFPB XXXX XX/XX/XXXX Complain, and XXXX XXXX XXXX XXXX XXXX, dated XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
On XX/XX/XXXX I opened a new Regular Citibank checking account in the amount of {$50000.00} in conjunction with an online promotion that was supposed to pay out a bonus of {$700.00} if funds were left in the account for a period of time. In mid XXXX, I called Citibank to inquire why I had not received my bonus payment and was told " give it a little more time '' as I didn't have the funds in the account as long as required. When I told the representative that I believed the funds had been on deposit for the required period of time, again I was told to give it more time. At the end of XX/XX/XXXX, I reached out again to Citibank via chat and was told that my funds had certainly been on deposit long enough and they would submit an inquiry/claim for me. I was told that I would receive a response from Citibank via email after approximately 5 days. 

Having received no email after 2 weeks I checked my account online and noticed that Citibank had placed a response denying my claim under my account on their website. 

I believe I opened, funded, and maintained this Citibank account as detailed under the promotion. The promotion stated ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ OPEN- NEW ACCOUNT Open a new checking account in an eligible account package from XX/XX/XXXX to XX/XX/XXXX. 

FUND YOUR ACCOUNT Deposit New-to-Citibank Funds into your new checking account within 20 days of account opening. The balance on your XXXX day will determine your maximum eligible cash bonus. 

MAINTAIN YOUR BALANCE Maintain the required Minimum Balance in your eligible account for an additional 60 days from the XXXX day. 
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ Citibank employees were unable to give accurate information. Citibank 's promotions are deceptive.

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 2022-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
LVNV Funding has sent numerous collection letters to my home requesting payment for debts I do not owe them and added these debts to my credit file. I have attempted to dispute through XXXX, XXXX and XXXX. My disputes have all been returned as verified with no distinct information to verify it is actually mine. There is no address or social security number which matches what's on file for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I noticed some accounts on my report I do not recognize

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 2022-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hello I submitted a claim wit JPMorgan Chase Bank for the amount of XXXX XXXX 

The morning of XX/XX/2022 I go to the Chase atm to withdraw XXXX $ but the atm didnt dispense my money. The atm printed a receipt saying error and to call customer service. Then I immediately call the number on the receipt to let them know what happened and they told me they will look into it. About 13 days goes by and on XX/XX/XXXX they credit my account the XXXX XXXX Thinking the claim was resolved they reverse the claim and sends my account XXXX $ on XX/XX/XXXX. Immediately I call the claims department for them to look into it and they told I cant reopen my claim and that once a decision has been reached there is nothing anybody can do. I am currently overdrawn XXXX $ and tried to contact Chase 4 times because of this matter just to be told there is nothing we can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated.

These are the items I demanding to be deleted immediately : 1. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately XXXX. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 3. Unverifiable no data information XXXX XXXX Account Number : XXXX Delete account for failure to perform an investigation 4. Unverifiable no data information XXXX XXXX Account Number : XXXX Delete account for failure to perform an investigation 5. Unverifiable no data information XXXX XXXX Account Number : XXXX Delete account for failure to perform an investigation 6. Unverifiable no data information XXXX, XXXX Account Number : XXXX Delete account for failure to perform an investigation 7. Unverifiable no data information XXXX, XXXX Account Number : XXXX Delete account for failure to perform an investigation 8. Unverifiable no data information XXXX, XXXX Account Number : XXXX Delete account for failure to perform an investigation 9. Unverifiable no data information XXXX XXXX Account Number : XXXX Delete account for failure to perform an investigation

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 2022-07-13 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: PA

Complaint narrative:
I noticed some accounts on my report I do not recognize

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 2022-07-13 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: PA

Complaint narrative:
I noticed some accounts on my report I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
Yesterday which was XX/XX/XXXX of XXXX I got a notification from PayPal, they said they've temporarily limited my account and I need to provide some documents for them to review, I submitted all the documents they asked for, they did the review and didn't even reply to my mail, it was in the early morning which is XXXX of XX/XX/2022 that I logged in to my account to see if limits have been removed, that was when I saw that they've permanently limited my account, saying they'll hold my money for 180 days. Honestly I feel terrified because I don't know what I did that could result to my account limitation and request for explanation.

Company response to consumer: Closed with explanation