vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-08 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: FL

Complaint narrative:
I recently reviewed my credit report and was concerned to find several inquiries from your company that I do not recognize or recall authorizing. These unauthorized inquiries have caused me considerable stress, as they are negatively impacting my credit score.

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 2024-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had been on the bus literally just buying a XXXX XXXX so that I could refund traveling via bus to XXXX XXXX, then I decided to go to the store and pay for some super glue and was informed by a person that I called at Bank of America that my account was closed I said that's rude I have been your customer since 1988 that long! they never even gave me a reason and just said they were going to mail whatever money I had any account back to me in a certified check and it had better be the right amount because that's not okay.

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 2024-11-08 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: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-11-08 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: NY

Complaint narrative:
I am a victim of identity theft and the information listed below on my credit report is a result of that Identity theft : Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$25000.00} Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$32000.00} XXXX XXXX XXXX XXXXXXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00} XXXX XXXX  Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$57000.00} XXXX XXXX  XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$25000.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$18000.00} Account Name : XXXX XXXX  Account Number : XXXX Balance : {$25000.00} Account Name : XXXX XXXX  Account Number : XXXX Balance : {$32000.00} Account Name : XXXX  XXXX Account Number : XXXX Balance : {$20000.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$57000.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$25000.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$2900.00} In accordance with section 605B of the Fair Credit Reporting Act, I request that this information be blocked from my credit report within four business days. Please notify me of the actions taken in response to this request. 

Thank you for your prompt attention to this urgent matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-08 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: AZ

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 non-monetary relief
Consumer complaint received 2024-11-08 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: FL

Complaint narrative:
I am writing to formally request the blocking and deletion of certain accounts on my credit report that were fraudulently created as a result of a data breach. Under the protections granted by XXXX5 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these unauthorized accounts removed from my credit file. 
Please delete the following accounts from my credit report : XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} Additionally, please delete the inquiry by : 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 2024-11-08 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: AL

Complaint narrative:
Under the doctrine of estoppel by silence, as referenced in Engelhardt v. Gravens, it is presumed that no evidence of the debt exists. I demand the immediate removal of these items due to the ongoing litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I hope this message reaches you in excellent condition I am writing to bring specific inconsistencies in my credit report to your attention, specifically pertaining to billing errors as outlines I 15 U.S CODE 1666 ( B ) under the billing error category : ( 4 ) The creditors failure to accurately reflect a payment made by the obligator or a credit issued to the obligor on a statement.

( 5 ) A compilation error or similar accounting error made by the creditor on a statement It is my knowledge that the creditor failed to furnish me with a statement 21 days prior, which ought to be render any ramifications of late payments regarding the linked accounts. Am in pursuit of concrete evidence from the creditors bank records that will support the assertion I failed to make a payment, resulting in an erroneous designation as late- a sign of an invoicing error- therefore.

I humbly request that the subsequent entries be promptly updated on my consumer report to reflect their current status as follow : paid as agreed. Also as you can see in the picture below there are multiple
errors which is a violations all 3 creditors has to report the same thing therefore my credit need to be updated

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 2024-11-08 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: IN

Complaint narrative:
I hope this message reaches you in excellent condition I am writing to bring specific inconsistencies in my credit report to your attention, specifically pertaining to billing errors as outlines I 15 U.S CODE 1666 ( B ) under the billing error category : ( 4 ) The creditors failure to accurately reflect a payment made by the obligator or a credit issued to the obligor on a statement.

( 5 ) A compilation error or similar accounting error made by the creditor on a statement It is my knowledge that the creditor failed to furnish me with a statement 21 days prior, which ought to be render any ramifications of late payments regarding the linked accounts. Am in pursuit of concrete evidence from the creditors bank records that will support the assertion I failed to make a payment, resulting in an erroneous designation as late- a sign of an invoicing error- therefore. 
I humbly request that the subsequent entries be promptly updated on my consumer report to reflect their current status as follow : paid as agreed.

Also as you can see in the picture below there are multiple errors which is a violations all 3 creditors has to report the same thing therefore my credit need to be updated

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I hope this message reaches you in excellent condition I am writing to bring specific inconsistencies in my credit report to your attention, specifically pertaining to billing errors as outlines I 15 U.S CODE 1666 ( B ) under the billing error category : ( 4 ) The creditors failure to accurately reflect a payment made by the obligator or a credit issued to the obligor on a statement.

( 5 ) A compilation error or similar accounting error made by the creditor on a statement It is my knowledge that the creditor failed to furnish me with a statement 21 days prior, which ought to be render any ramifications of late payments regarding the linked accounts. Am in pursuit of concrete evidence from the creditors bank records that will support the assertion I failed to make a payment, resulting in an erroneous designation as late- a sign of an invoicing error- therefore. 
I humbly request that the subsequent entries be promptly updated on my consumer report to reflect their current status as follow : paid as agreed.

Also as you can see in the picture below there are multiple errors which is a violations all 3 creditors has to report the same thing therefore my credit need to be updated

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 2024-11-08 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: GA

Complaint narrative:
I am filing this complaint due to erroneous and conflicting reporting of my XXXX funding account and citizen one account on two separate credit bureau reports, which impacts my creditworthiness and violates my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

XXXX is stated as closed on Equifax, yet opened on XXXX XXXX and experian and XXXX  XXXX account is stated as closed on Equifax but opened on XXXX XXXX and XXXX. This inconsistency not only confuses creditors but also adversely impacts my credit score, resulting in financial harm. Attached is documentation of these disputes and the differing reports. 

Under FCRA 1681e ( b ), credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy. Case law, including XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), underscores the duty of credit reporting agencies to verify disputed information with a higher level of care. Failure to correct discrepancies after notice constitutes a breach of this duty. Furthermore, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), highlights the adverse effects that inaccurate information can have on an individuals creditworthiness and underscores the necessity of accurate reporting. 

This discrepancy amounts to a violation of my rights under the FCRA and causes me undue financial harm. In addition to conflicting reports, the persistence of inaccurate information could mislead prospective creditors and damage my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my XXXX XXXX. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my XXXX XXXX, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

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 2024-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I was charged overdraft fees from Navy Federal Credit Union and was sent to collections. But I was also unaware that anything was coming out of that account. The amount was around {$250.00} dollars. I have since paid the amount and have opened a new account with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-08 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: CA

Complaint narrative:
I am a victim of a data breach, and I am writing to request the immediate blocking and deletion of the fraudulent account listed on my credit report. This account was opened or reported without my authorization, and I am exercising my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to have it removed. 
The account in question is as follows : Account to be Deleted : XXXX XXXX XXXX - XX/XX/year>

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 2024-11-08 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: MD

Complaint narrative:
I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : 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 2024-11-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
On XXXX Venmo froze my account. I have {$300.00} in the account that I need for an emergency vet bill. They will not escalate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-08 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: NY

Complaint narrative:
I was reviewing my credit report and noticed multiple inquiries from your company that I dont recall authorizing. This has me really concerned, as theyre affecting my credit score and causing unnecessary stress

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-08 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: FinCo Services Inc DBA Current
State: MS

Complaint narrative:
Yes on XX/XX/year> I was in XXXX XXXX XXXX purchasing a last minute ticket through XXXX. As I was on the phone with a travel agent with XXXX  doing the purchase and as we had discussed all current flight options for that day and I told him which one I picked and he somehow had the wrong flight which had just cleared my XXXX  as we were still on phone then I get instant email of confirmation and I immediately told him this was incorrect and he assured it would be reversed and back on my card. So I still had to purchase the correct ticket as Travel Agent with XXXX assured that the previous charge funds would not instantly go back on but it would after processing ... .And took at that didn't check on it till after sometime had passed by and still noticed that it had not been refunded so I give XXXX a call and after getting through to correct department and addressing the situation then XXXX XXXX go right ahead and issue refund but although the payment and all transactions did process thru XXXX it was split in XXXX payments XXXX  and XXXX XXXX XXXX though my card was only ran once so ultimately XXXX said could only refund part of it and remaining had to process from XXXX XXXX which we have contacted and contacted XXXX  but t to no avail able to reach any XXXX or get a reply back. So I then contacted my card company Current to file a dispute ... .Which they denied and I appealed decision and requested all supporting documents that aided the denial decision ... XXXXThey took weeks also but did finally send me an email stating that I had just transferred money to my card so their could be nothing wrong which is completely wrong because that nothing to with situation of my refund from XXXX... They then stated they were aware of the XXXX separate charges but understood they were all made together at XXXX time showing XXXX merchant as XXXX and the other XXXX as XXXX XXXX but they did not see a refund from either merchant so they could not move further on my dispute ... XXXX also was not correct XXXX  had clearly processed refund and it is shown on transactions on account and the monthly statement so I was not sure how Currents dispute department was not able to view and verify what is clearly in account summary ... .I asked for assistance as a consumer and customer from Current but received nothing less then a quick to know it all and no help at all ....

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I've made it clear to the company that I did not approve this line of credit the second time, that the first time it was enforced upon me by the office manager at the doctor 's office this bill occurred at and I've been disputing this bill since they enforced it upon me ; that I'm XXXX and unable to pay this bill, and I also don't owe the {$3000.00} that the line was opened for. I've disputed this line 6 times and they and the doctor 's office will not provide these documents they state I signed stating this equipment was nonrefundable, and the fact that I owe {$3000.00}, which is not the case either. Since I have returned the equipment since it was not working properly, one was used so it was not covered under the nonrefundable portion and the other was brand new so it was warranty covered and the office could have returned it, and the rest was herbs and office visits. I was only there for 2 months, not the 3 initially signed for and the amount of the herbs was never disclosed, but the boot I was told was {$2800.00} and was also told by the manager was charged at a discount, and since he diagnosed me I " owed '' him, and was insistent on me purchasing their herbs and equipment despite the fact that I was XXXX, XXXX, and could not afford this line of credit. I do not owe this amount and can not pay it any time soon if ever, the equipment I am not responsible for and should only owe for the herbs which I would say is {$200.00} at most, and would not pay more than that. They also have a policy that is supposed to help those who are XXXX and unable to pay their bill and refuse to help me with that policy let alone discuss it and will not send me the documents the doctor is sending them so I can validate them. They are insistent I owe this debt despite what I say or send them. I don't know what else to do at this point. This line was opened in XX/XX/2024 and has been disputed 6 times since. I've attached the email I've sent to the doctor and to care credit regarding this line of credit and the email correspondence regarding this balance.

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