vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-31 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: CITIBANK, N.A.
State: MN

Complaint narrative:
For XXXX XXXX XXXX XXXX  open XX/XX/XXXX with a balance of {$9800.00}, I informed all 3 credit bureau and only XXXX complied. XXXX and XXXX and XXXX XXXX have not yet removed the information after several disputes and complaints. 
For XXXX  XXXX XXXX XXXX open XX/XX/XXXX with a balance of {$4700.00}. I have informed all 3 bureaus and none of them have complied and are still reporting it. they have not removed the information after several dispute and complaints. 
For Citicard CBNA open XXXX XXXX XXXX with a balance of {$380.00}. I have informed all 3 bureaus and none of them have complied and are still reporting it. they have not removed the information after several dispute and complaints. 
For XXXX XXXX XXXX open XX/XX/XXXX with a balance of {$720.00}. I have informed all 3 bureaus and none of them have complied and are still reporting it. they have not removed the information after several dispute and complaints. 
For XXXX XXXX open XX/XX/XXXX with a balance {$23000.00}, I have informed all 3 bureaus and none of them have complied and are still reporting it. they have not removed the information after several dispute and complaints.

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 2024-07-31 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-31 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:
PLEASE BLOCKED AND REMOVED. 
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-07-31 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:
PLEASE BLOCKED AND REMOVED. 
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-07-31 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: FL

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 2024-07-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: DC

Complaint narrative:
-On XX/XX/2024, I received an email from PayPal XXXX according to which a client sent me {$370.00} for a consultation fee, to my business general email and notifying me that in order to receive the funds, I had to open an account with Paypal XXXX 

-On XX/XX/2024, following the Paypal request, I opened a new Paypal account to receive those funds.

-When opening the account, I initially listed my name ( as owner of the business, which is a single-member LLC ), and then I was offered to upgrade to a business account, which I tried.

-I then received an email from PayPal saying that I apparently did something contrary to the user agreement and that the funds were frozen for up to 120 days, -I contacted Paypal via phone and email, requesting a reconsideration of the matter. and the reinstatement of the account. I attached to my email a copy of my driver 's license and of the following documents related to the business : corporate documents, EIN number, and last XXXX bank statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 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: OH

Complaint narrative:
XXXX XX/XX/XXXX XXXX line credit inquiry done without consent or written permission to all XXXX credit agencies

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 2024-07-31 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: OH

Complaint narrative:
XXXX XX/XX/XXXX XXXX line credit inquiry done without consent or written permission to all XXXX credit agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 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: OH

Complaint narrative:
XXXX XX/XX/XXXX XXXX line credit inquiry done without consent or written permission to all XXXX credit agencies

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 2024-07-31 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: OH

Complaint narrative:
Remove the following accounts for improper use of my credit report.These accounts are collection accounts showing an amount past due an a complete payment history XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX 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 2024-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The response from the credit reporting agencies indicates that the accounts were verified and updated. However, my credit report continues to show several inaccuracies.

According to 15 U.S.C 1681i ( 7 ) regarding the Method of Verification, I am entitled to a clear explanation of the verification process your agency utilized. I am requesting a comprehensive account of each step taken to confirm the accuracy of these disputed items.

Even with these investigations, my credit report still displays errors. I request the immediate removal of these inaccuracies from my 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 2024-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The response from the credit reporting agencies indicates that the accounts were verified and updated. However, my credit report continues to show several inaccuracies.

According to 15 U.S.C 1681i ( 7 ) regarding the Method of Verification, I am entitled to a clear explanation of the verification process your agency utilized. I am requesting a comprehensive account of each step taken to confirm the accuracy of these disputed items.

Even with these investigations, my credit report still displays errors. I request the immediate removal of these inaccuracies from my 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 explanation
Consumer complaint received 2024-07-31 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: CA

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 inaccurate 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 2024-07-31 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: CA

Complaint narrative:
I am requesting the removal of the late payment currently reflected in my credit report. This late payment record is negatively impacting my credit standing, and I believe it should be removed due to the circumstances explained below.

I trust that the necessary steps will be taken to correct this error and ensure my credit report accurately reflects my payment history. I request written confirmation once the late payment has been removed from 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 2024-07-31 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:
I was a victim of identity theft. There are inquiries on my XXXX, Equifax and XXXX credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX  - XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-31 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: OH

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

INQUIRIES : 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 2024-07-31 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: GA

Complaint narrative:
My credit report includes a fraud alert indicating that I am a victim of identity theft ( Exteded Fraud Alert under FCRA Section 605A ). Any applications in my name should be verified with me directly. Section 605A ( 15 U.S.C.1681i ) : Provides consumers the right to dispute information on their credit reports and mandates the credit bureau to investigate and correct or remove any inaccurate, incomplete, or unverifiable information. Section 605A ( 15 U.S.C.1681i ) : Entitles consumers to place a fraud alert on their credit reports and requires creditors to verify the identity of the consumer before extending credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I requested Experian to validate and ensure accuracy and completeness of the XXXX XXXX XXXX account that is being reported on my Experian credit report and for Experian to mail me the documents used to validate and ensure accuracy and completeness of this account in the letter attached to this complaint. Experian has conducted and concluded their investigation of the XXXX XXXX XXXX account by verifying the account as accurate, which I have attached their results to this complaint, but has not sent the documents used for verifying the account is accurate and complete that I requested to be mailed to me. I also stated in the letter that was mailed to Experian that if Experian validates the XXXX XXXX XXXX collection account and determines the account is accurate and complete without providing the documents used for validation and determining accuracy and completeness then Experian will be reported to the Consumer Financial Protection Bureau and will face a lawsuit for damages. Because Experian has failed to prove and provide the documents used to verify accuracy and completeness of the XXXX XXXX XXXX account, a class action lawsuit will be filed against Experian for falsely reporting unverifiable, inaccurate, and incomplete information on personal credit reports and personal damages to my physical and mental 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 2024-07-31 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Credit Karma, LLC
State: NC

Complaint narrative:
I was using Credit Karma, they said my approval rate was outstanding/excellent to get a loan I followed through with submitting everything needed to the loan company only to be denied by XXXX XXXX for any amount at all. They basically baited me in with the word OUTSTANDING/EXCELLENT as my approval odds. I didn't receive the services they claimed I would. I also had a hard inquiry placed onto my credit for the next 2 years that no one seems to be able to remove for me now. This is 100 % false advertising and it seems like no one is willing to help me fix this situation. Companies like this need to be held accountable for their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I am the victim of fraud. I am receiving a bill from a Chase credit card that I DID NOT OPEN OR USE. Chase has informed me that it was used for purchases in California. I have never in my life been to California, nor to the store listed on the transactions. These unpaid charges are seriously affecting my Credit Scores and I would like these fraudulent charges dropped as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.

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 2024-07-31 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:
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 explanation
Consumer complaint received 2024-07-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Self Financial Inc.
State: GA

Complaint narrative:
Merchant : XXXX XXXX : Self Financial Recurrent transactions on the XXXX of each month from XXXX to XXXX in the amount of {$24.00}. Contacted Self Financial on XX/XX/24 to initiate dispute. spoke with rep XXXX who provided Case # XXXX - Follow up on XX/XX/24 with XXXX to verify dispute has been granted, XXXX representative XXXX confirmed Self Financial has not contacted Apple regarding charges. XXXX no charge back has been initiated or completed. XXXX XXXX. 

Contacted Self Financial XX/XX/24 to check status, rep XXXX confirmed case denied again stating charges not fraud due to similar charges on account. Representative recommended to request new card replacement to help with issue. 

XXXX Replace card request dont XXXX XX/XX/24 contacted Self to check status of Case, provided information below to contact financial institution via mail for further dispute. 

XXXX crs # Fax : XXXX XXXX hours Address po XXXX highlands ranch co XXXX Attn card member dispute services Contacted Self financial XX/XX/24 spoke with supervisor XXXX who assured me the case would be reopened and thoroughly investigated to make sure the fraud department attempts to contact XXXX and further more contact me for a follow up. Quoted turn around time XXXX business days XX/XX/24 contacted self financial to verify case status, representative XXXX confirmed to me case was not reopened no further investigation is being made and fraud department ruled decision as not fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: DC

Complaint narrative:
Regretfully, on XX/XX/XXXX, I was in an XXXX that resulted in the total loss of my vehicle. Positively, my XXXX XXXX paid Infiniti Financial Services ( IFS ) in XXXX for the portion of my unused vehicle warranty ; XXXXXXXX XXXX XXXX XXXX department is now responsible for paying the outstanding debt of {$1500.00}. As I was emailing the XXXX XXXX XXXX department about this balance, the XXXX collections department called. I told them that a check would be issued on XX/XX/XXXX, in accordance with the warranty representative. After I followed up with XXXX, who informed me that it might take up to XXXX days to receive, I received XXXX or XXXX more collection calls. Seeing that I did not receive any more calls from either side, I assumed all was paid in full. 

Moving forward, on XX/XX/XXXX, I discovered a charge-off in the same amount on all three bureauscredit reports. I called the XXXX department right away, and they sent me copies of the canceled checks that XXXX had refused to cash on XX/XX/XXXX. 

According to the latest information I received, the XXXX XXXX XXXX is only paying {$1200.00}, leaving a {$290.00} balance that is a part of the charge-off. If XXXX had stayed in contact, cashed the cheque, and told me about the remainder, all of this would have been prevented and paid in full in a timely manner. I find it incomprehensible that XXXX charged off my account instead of accepting or cashing this check in XXXX. CFPB, please help me encourage Infiniti Financial Services ( XXXX ) company to reverse the unfair charge-off that resulted from their refusal/ failure to cash the check that was actually sent on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 non-monetary relief