vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: IL

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

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 2023-02-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.

Complaint narrative:
I contacted Experian and XXXX about an account that I have some incorrect information on. I have 5 late payments on an account that should not be on my account. I sent out a dispute by mail on XX/XX/2023 showing proof that the late payments were not suppose to be on my report but Experian told me that they have not received anything. At that point, I tried submitting the documents online but did not go through. Im also trying to fix this same problem with XXXX but I could not reach anyone on the phone.

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 2023-02-14 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: FL

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved.Upon reviewing my updates, the incorrect information was found in my reports which has been taken care of due to written appeals I sent. The last letter sent to Experian was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair credit Reporting Act, 15 USC Section 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of Inquiries that are still reporting on my Credit Reports : EXPERIAN XXXX XXXX  Inquiry date XX/XX/XXXX, XXXX  XXXX Inquiry date XX/XX/XXXX, XXXX  XXXX Inquiry date XX/XX/XXXX, XXXX XXXXXXXX Inquiry date XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX  Inquiry date XX/XX/XXXX, XXXX  XXXX Inquiry date 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 non-monetary relief
Consumer complaint received 2023-02-14 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: FL

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, the incorrect information was found in my reports which has been taken care of due to written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Section 1681i, which states that continued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. Here is the list of Inquiries that are still reporting on my Credit Reports : XXXX Inquiry date XX/XX/XXXX, XXXX Inquiry date XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 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: FL

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself there is no third party involved. Upon reviewing my updates, the incorrect information was found in my reports which has been taken care of due to written appeals I sent. The last letter sent to Transunion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Section 1681i, which sates that continued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. Here is the list of Inquiries that are still reporting on my Credit Reports : XXXXXXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX  Inquiry date XX/XX/XXXX, XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX Inquiry date 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 2023-02-14 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: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I called citizens bank to report I never opened a line of credit which is showing up on my credit report. The representative opened a dispute and recommend I open up a dispute on this website.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: IL

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

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 2023-02-14 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: IL

Complaint narrative:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-02-14 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: PA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$3300.00} XXXX  XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX Balance : {$810.00} XXXX  XXXX XXXX : {$5400.00} XXXX XXXX Balance : {$180.00} XXXX  XXXX Balance : {$220.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
My business PayPal account was unfairly closed down for virtually no reason as of early this morning. My business operates smoothly and ethically on PayPal and has for as long as we have used them. 

PayPal asked me to provide more information regarding certain transactions to which I properly provided them. However, this was not enough. 

I run an academic platform where users post projects and hire freelancers to complete the projects. Our site makes a commission off of each project. Theres absolutely no reason we should be banned.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 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: PA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX Balance : {$5100.00} XXXX  XXXX Balance : {$6200.00} XXXX  XXXX Balance : {$4600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One refuses to let me pay off my account as payments fail each time it tries to process. Payments were attempted in XXXX on the XXXX of 2023 and XX/XX/XXXX of 2023 in the amount of {$200.00} each. While I am patient and willing to give them the benefit of the doubt, as well as take responsibility for paying this debt off, when I tried to call in it would absolutely not let me connect to a live human being who could tell me why the payments failed on their end. They do not have an option to pay by debit card, and I do not have technical issues with paying my accounts off anywhere else. I have issued a dispute with XXXX as I feel I am not legally obligated to pay off a debt to a company that does not appear to employ any actual human beings, and is therefore unable to respond to issues reported by actual human beings. This is my last attempt to reach a solution in case the above fails, I should not have to be begging at their doorstep to pay off my account balance each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 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: IL

Complaint narrative:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: IL

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.

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 2023-02-14 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: PA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$3300.00} XXXX  XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$1100.00} XXXX XXXX Balance : {$810.00} XXXX  XXXX XXXX : {$5400.00} XXXX  XXXX Balance : {$180.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$2800.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00}

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 non-monetary relief
Consumer complaint received 2023-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
CITIBANK LOCKED MY CHECKING ACCOUNT ON OR AROUND XX/XX/23 AS A RESULT OF POTENTIAL FRAUD OR A SECURITY ISSUE. I SPOKE TO A REP ON SATURDAY WHO TOLD ME I HAD TO CALL BACK ON XX/XX/23 WHEN THE DEPARTMENT THAT HANDLES IT IS BACK. I DID MAKE NUMEROUS CALLS TO CITIBANK ON XX/XX/23 AND THE REPS THAT I SPOKE TO COULD NOT TELL ME WHO PUT THE BLOCK ON THE ACCOUNT AND WHY. THEY REACHED OUT TO THE FRAUD/SECURITY DEPARTMENTS WHO TOLD THEM THAT I NEEDED TO VISIT THE NEAREST BRANCH, PROBLEM IS THERE ARE NO BRANCHES IN MY STATE OF ARIZONA AND THE NEAREST IS ABOUT XXXX MILES AWAY IN CALIFORNIA. I THEN CALLED AGAIN AND SPOKE TO A WOMAN NAMED XXXX WHO ALSO REACHED OUT AND HAD NO IDEA AS TO WHAT WAS GOING ON. SHE TOLD ME I WOULD GET AN EMAIL WITHIN 1 TO 3 BUSINESS DAYS AND FILED A COMPLAINT # XXXX. IN THE MEAN TIME I CAN NOT USE MY DEBIT CARD MAKE ANY WITHDRAWALS OR PAY ANY BILLS THROUGH THE ACCOUNT SINCE IT IS NOW BLOCKED. PLEASE PROVIDE A REMEDY FOR THIS ISSUE IF AT ALL POSSIBLE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-14 00:00:00
Product: Credit reporting, credit repair services, 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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2023-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
As you can see from my account, I submitted a request to stop all junk mail and any mail services from Citi Bank for my former roommate XXXX XXXX on XXXX. On XX/XX/XXXX, I received an email with an attachment on company letterhead that confirmed that the mail for her would stop coming to my apartment. Three months later, I am still getting her junk mail and I am livid that the company said that it would stop and they confirmed it to me closing the case, but it is still happening. They are in violation of what they promised and the complaint is not rectified. I attempted to contact them through the phone number provided on the letterhead and they were unable to do so. They told me to call another number but to get through to that service, I need to have a Citi account myself. The fact Im having to spend any time at all to opt out of junk mail to my private address is ridiculous. An online site for opt out needs to exist so companies wont be allowed to assault people with their unwanted wasteful junk.

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 2023-02-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.

Complaint narrative:
I contacted XXXX and XXXX about an account that I have some incorrect information on. I have 5 late payments on an account that should not be on my account. I sent out a dispute by mail on XX/XX/2023 showing proof that the late payments were not suppose to be on my report but XXXX told me that they have not received anything. At that point, I tried submitting the documents online but did not go through. Im also trying to fix this same problem with Equifax but I could not reach anyone on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On XX/XX/2023, Chase Bank placed a hold on several joint accounts. Chase received a warrant from the Michigan Department of Treasury to garnish funds from accounts associated with XXXX XXXX. The accounts that are at Chase Bank are Joint Accounts. The joint account holders are not liable for the alleged debt. The joint account holders are an innocent party in this matter and Chase Bank needs to release the hold. 

Account Number last four digits : XXXX {$440.00} XXXX {$150.00} XXXX {$25.00} XXXX {$490.00} XXXX {$140.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
XXXX reported a XXXX XXXX XXXX to your XXXX XXXX XXXX. 

Source : XXXX XXXX : XXXX Address : XXXX XXXX XXXX, XXXX, OH XXXX Phone : XXXX Account Opened : XX/XX/2023 Credit Limit : {$1800.00} The account used my social security number. XXXX with XXXX stated he is sending notification to the credit bureau of the fraud and mailing me notification that my claim has been resolved to my address. I am updating my current police report to reflect this case as this is not the first time this has happened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-14 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: PA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$5100.00} XXXX XXXX Balance : {$6200.00} XXXX XXXXXXXX Balance : {$4600.00}

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 non-monetary relief
Consumer complaint received 2023-02-14 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: GA

Complaint narrative:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-02-14 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: EQUIFAX, INC.
State: SC

Complaint narrative:
Equifax keeps validating a medical collection from XXXX XXXX XXXX in the amount of {$250.00} on my report. Equifax has " validated '' it after each dispute, and i have disputed XXXX times. But they have yet to show me how it is my collection, how it belongs to me, etc. 

I have disputed this account XXXX times. 
This is not my account, i dont know who it belongs to. 
The creditor has never reached out to me. 
It is medical and under {$500.00} and just showed up in XX/XX/2022. 

They are incorrectly, and knowingly improperly reporting a collection on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
This account is in dispute since the car has not been I. My possession for over 6 weeks. Its been at the dealership since XX/XX/2023.

Company response to consumer: Closed with explanation