vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-30 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:
XXXX XXXX approx XXXX XXXX received a call from a representative of my bank XXXX XXXX Told that my XXXX account was compromised. Told that all my accounts were flagged. Told that the bank was under investigation and that I could not contact the bank directly because they were being watched on the camera and that my SS # was being sold on the black market. I asked him for verification and he said to check the phone number on the back of my bank card and that it matched. As he sent me emails everything was the same. He said the only way to correct the XXXX account was through PayPal and Venmo. As charges appeared I was told that I would have to accept them in order for him to have the authority to reverse. He continued to tell me that I was on a recorded line. Nothing seemed suspicious at this point. He told me to go to the bank and that I couldnt talk to anyone because the police were coming that day to bust them for internal fraud and that my account was flagged. As I was told to close out my account and he was going to open a safe account t for me. This is after all the charges on both PayPal and Venmo were charged. He claimed I had to accept them and then he had the authority from XXXX XXXX  and PayPal to reverse them. Because I had checked the phone numbers and email at this point I was cooperative. Once we went to deposit cash into the new safe account I became suspicious. Finally I said were done here I hung up. He tried to call back several times. We went immediately to a XXXXXXXX XXXX and froze accounts. I was able to cancel all but one charge and after telling all this to PayPal and after they views all the other charges to the same person and that I had cancelled they claim that this charge was not out of the ordinary the remaining shortage on PayPal is XXXX. I was able to get the charges taken off Venmo but PayPal is not cooperating. This scammer was able to get XXXX charged on my Venmo. I tried twice to appeal my case with PayPal but to no avail. I am a senior citizen and can not afford this charge. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 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 were 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 2024-08-30 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2024-08-29 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: Global Lending Services LLC
State: IL

Complaint narrative:
PLEASE REMOVE ALL ACCOUNTS! AS PER THE GUIDANCE FROM XXXX THE DOCUMENT NEEDED AS A LETTER FROM THE ADVOCACY GROUP HELPING ME DUE TO XXXX XXXX  DEBT BONDAGE, WHICH FALLS UNDER TRAFFICKING ACCORDING TO TRAFFICKING-DEBT FINAL RULE 1002.142 ( B ) ( 4 ) -5-1002.142 ( B ) ( 7 ), I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. I AM A VICTIM OF HUMAN TRAFFICKING OF DEBT BONDAGE AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED FROM CREDIT REPORT! PLEASE DELETE THE FOLLOWING ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Subject : Request to Remove Inaccurate Credit Information To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX  Please remove it from my credit report. 
In accordance with the Fair Credit Reporting Act, I insist that these items undergo investigation and be eliminated from my report. It is my understanding that you will verify these items with the relevant creditor. Any information that the creditor can not confirm should be promptly removed. As per 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days of receiving this correspondence. 
Kindly send an updated copy of my credit report to the address mentioned above. As per the act, I should not incur any charges for this updated report. Furthermore, I request that you notify anyone who has received my credit report in the past six months about the corrections made. 
Thank you for your attention and cooperation in resolving this matter. 
Yours 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 explanation
Consumer complaint received 2024-08-29 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: GA

Complaint narrative:
My account with XXXX 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 XXXXNever 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 2024-08-29 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: AZ

Complaint narrative:
I am disheartened at the fact that my credit scores have been negatively affected due to this account reporting on my credit file. I have sent out a complaint and nothing has been done for the removal of this account, and I am deprived of my opportunity to apply for another loan.

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 2024-08-30 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: TX

Complaint narrative:
I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase 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 2024-08-30 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: TX

Complaint narrative:
I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase 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 2024-08-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: TEXAS CAPITAL BANCSHARES, INC.
State: MN

Complaint narrative:
I had a savings account with bask bank. XXXX day I had an email that there was suspicious activity and that my account was frozen so, I immediately called. Bask Bank told me that my refund of XXXX was fraudulent and despite proof and emails and pictures of my account still would not let me into my account. 

I lost my car, almost, my apartment and with XXXX young boys. I gave the bank fraud ( XXXX XXXX ) dept conversations with the online reps about my refund being deposited back into my account, numerous email receipts, pictures of my account activity from prior XXXX  months previous. I also asked to talk to whomever it is that XXXX XXXX reports to and was denied time and time again. XXXX months later, I received an email from XXXX XXXX that she was closing my account and that I would owe XXXX dollars. 

A week ago, I received a letter from XXXX XXXX that I owed XXXX dollars to the bank. I feel like I have been made a pawn in a larger bank scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 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:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain 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 2024-08-30 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: FL

Complaint narrative:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-30 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: WA

Complaint narrative:
This is XXXX XXXX, and I am directly submitting this complaint with no external parties involved. I have included letters that describe in detail the discrepancies on my credit report. There are inaccuracies and inconsistent dates reported by XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-30 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: DE

Complaint narrative:
I am writing to formally dispute the accuracy and completeness of the open date associated with the account : XXXX XXXX XXXX Open Date : XX/XX/2019 I believe the reported open date is incorrect, and this discrepancy needs to be addressed immediately. Under 15 U.S.C. 1681s-2 ( b ) ( E ), furnishers of information are required to conduct a reasonable investigation when a dispute is made regarding the accuracy of information on a consumer report. In the case of XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX. XXXX, it was emphasized that verification of disputed information must be supported by comprehensive and accurate account-level documentation. Furthermore, 12 C.F.R. 226.25 ( a ) stipulates that such documentation should detail all transactions related to the account in question. 

Given these legal responsibilities, I request the following : 1. A thorough investigation regarding the accuracy of the reported open date associated with my account.

2. The provision of complete account-level documentation that verifies the accurate open date in accordance with the XXXX case and applicable regulations. 

If your agency can not verify the accuracy of the information with appropriate proof of verification, I expect that the account will be deleted from my credit report immediately, in compliance with the FCRA. 

Please send me written confirmation of your findings and any corrections made within the required timeframe.

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 2024-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I had unauthorized payment from my Zelle account. I contacted Zelle letting them know that I wanted that payment stopped, they said they couldnt do anything and to talk to the bank. I explained to them at the beginning that the bank told me to contact them. 

Someone ran off with {$500.00} that was sent via Zelle, they had the email and the name but couldnt provide info, investigate, nor reverse charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
This is another attempt to have you immediately removed this inaccurate item off my report. I've been struggling on getting new loands because of my record, and this account is not in any way helping me further.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-29 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Creditors Bureau Associates
State: CO

Complaint narrative:
Creditors Bureau Associates keeps calling me over and over again from spoof numbers mimicking my current and former address area codes. Most of the time they either leave silent voice mails, filling up my inbox, or they just remain silent altogether when I answer. I told them to stop calling initially because the debt is related to an unexpected, emergency XXXX XXXX  ( that I didnt even consent to ) that was out of state and out of network- which is covered by the No Surprises Act, as I explained to the ambulance company initially, as well as to the debt collection agency. I used to work in collections, I recognize the validity of this line of work. What I am experiencing, however, is harassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Re : Citibank/Home Depot Credit Due/Billing Dispute XXXX XX/XX/2024 I made a purchase for {$160.00} for a XXXX gallon of paint, paint which was never received. I called the Home Depot store and was told that I was going to be reimbursed for the purchase of {$160.00} + taxes. 

On XX/XX/2024 I made a complaint to Citibank regarding not seeing this credit dispute. A tickets was opened and on XX/XX/2024 I received correspondence that I would receive the credit in my account in XXXX billing cycles. I have yet to see that credit on my account. 

I want the company to credit my credit card immediately.

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 2024-08-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I was notified of involvement in a data leak. Then, on XX/XX/XXXX, a scammer used personal information and a spoofed wells fargo phone number to convince me of fraudulent accounts being opened in my name. Transferring me to another number and Impersonating bank and XXXX officials using some stolen data, they scammed me for XXXX. XXXX presents itself as a safer payment option and its association with major banks is why I chose to use it over XXXX and XXXX. I filed a complaint / claim with chase and was told over the phone that 1. ) compensation was possible for bank impostor scams and 2. ) XXXX was actually involved in MORE scams than the other payment options for her department. This phone call was presumably recorded and is accessible for confirmation that I was told this. On XX/XX/XXXX, I followed up with this : " Hello. I contacted your fraud claims department yesterday about a XXXX bank imposter scam. The scammer payment in question was placed under " pending '' and I was told that I would be contacted via email regarding next steps. 
However, there is no active claim open to check online, no email in my inbox either. I called twice today to check on this, and was placed on hold twice for XXXX minutes each time before being disconnected. I was told reimbursement was possible, and I know that certain qualifying bank imposter scams are eligible for that. Please contact me ASAP to let me know why there is no claim active, why the payment is no longer marked pending, and whether or not any investigation is ongoing. Unfortunately, if this matter isn't resolved, i will be closing my Chase checking account. I only used XXXX XXXX and no other payment app ) because I thought affiliation with Chase made it more secure. Please call me at XXXX email me ASAP to update me on the status of the claim I filed over the phone yesterday afternoon. Thank you. " Hi. This is in reference to my previous message in which I informed you of an banking imposter scam. The scammers are trying to contact me again today from this phone number : XXXX - XXXX XXXX - XXXX. Hopefully this is helpful if you do commence an investigation at some point. 


Received notice that investigation was closed. XX/XX/XXXX, they mailed me a notice that the investigation was closed. They ignored my contact preferences and did not leave a voicemail or email me. They told me that they would make no changes to the account, either.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 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: CA

Complaint narrative:
My name is XXXX XXXX, and I am directly submitting this complaint without any third-party intervention. Attached are letters providing detailed information about the discrepancies in my credit report. The credit bureaus XXXX, XXXX, and Equifax have reported erroneous information with inconsistent and outdated dates.

Company response to consumer: Closed with non-monetary relief