vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have previously sent a letter to your company, but the representative told me that they have not received it, so I am re-submitting a letter with my FTC report for these unauthorized and fraudulent inquiries through this platform. Please prioritize 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 2023-06-15 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Texas XXXX ( XXXX ) XXXX XX/XX/2023 Dear Transunion, I, XXXX XXXX, have written this letter to dispute a claim that is falsely listed my credit report with your bureau. The amount owed are no longer outstanding for the following items : Party Owed : XXXX XXXX XXXX Amount : {$160.00} I am disputing this claim due to : I HAVE NO KNOWLEDGE OF THIS ACCOUNT. IT IS FRAUDULENT. I AM REQUESTING IT BE REMOVED IMMEDIATLEY

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 2023-06-15 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: NY

Complaint narrative:
As of XX/XX/XXXX Credit bureas and self lender claimed they did an investigation but that can't be possible when I never have THEM WRITTEN IMSTRUCTIONS to do so All companies involved are in violation of the law!!! 
XXXX XXXX XXXX XXXX PAYMENTS Balance details Paid off - Balance - Balance updated - Original balance {$720.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Secured Loan Payment summary XXXX XXXX XX/XX/XXXX - XX/XX/XXXX- XXXX - XXXX XXXX - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Paid, Closed. 
Status updated XXXX XXXX Original balance $ 724 Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms 24 Months Company sold - Original creditor - Comments Account paid from collateral Your statement **CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER Contact info Address XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX Phone number ( XXXX ) XXXX RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete

these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
You are reporting this collection as an OPEN ACCOUNT which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.

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 2023-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
1. I opened a checking account in Truist Bank and made an initial deposit of {$50.00} on XX/XX/2023 2. On XX/XX/2023 I lost access to my online banking account. I called the support and was notified that my account is permanently blocked. 
3. In a few weeks I visited their office to ask if my account can be unblocked. The bank teller told me that there is nothing they can do. I asked them when my deposit is going to be refunded. I was told that it's gon na be refunded via check in a few weeks. 
4. On XX/XX/2023 I received a statement that said that the service fee was charged. I called the support and was told that the only option is to visit their office again 5. On XX/XX/2023 I spoke with their branch leader - XXXX XXXX. She assured that they can solve this issue but first they need to unblock my account. She told me that it takes two hours and after that my initial deposit will be refunded. 
6. Today is XX/XX/2023 and my account is still blocked. The branch leader doesn't pick up her phone. I still receive statements when I get charged for service which they do not provide.

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 2023-06-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: FL

Complaint narrative:
I RECEIVED A CREDIT ALERT THAT A NEW COLLECTIONS FROM XXXX  IN THE AMOUNT OF XXXX, THE 3RD PARTY COLLECTION AGENECY IS ENHANCED RECOVERY COLLECTIONS, THIS ACCOUNT DOESNT BELONG TO ME, PLEASE SUBMIT A ORIGINAL CONTRACT AND IDENTIFICATION. PLEASE REMOVE THIS FROM XXXX, XXXX AND XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 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: NY

Complaint narrative:
XXXX Bank is being reported as a charge off on my experian consumer report. I never received any notification of this collection. Furthermore, according to the IRS a charge off is considered income. Why is experian reporting income on my consumer report? A charge off cant be considered both income and debt. This is illegal and Im requesting for it to be removed immediately! I will also be filing a FTC complaint regarding 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 2023-06-15 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I apply for Amex credit card were you get XXXX after spending {$2000.00}. Two days later they changed their promotion to if you spend {$2000.00} you get {$65000.00} sky miles. I called trying to get promotion but they said they couldn't do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XX/XX/2022

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 2023-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: KEYCORP
State: OH

Complaint narrative:
I want a refund for an {$4.00} fee another bank charged me and Keys outside atm fee, which incurred using another banks ATM. 

The drive through ATM was cash withdrawal disabled.

Keys teller them refused to disperse my finds through fun the window, or let me withdraw money within Keys limits. 

Is Key running out of money? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX telephone : XXXX Date : XX/XX/23 Time : XXXX EST

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-15 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: AL

Complaint narrative:
On XX/XX/2023 Equifax Credit Reporting Agency closed a dispute ( Confirmation number : XXXX ) that I initiated regarding a balance with a creditor that was paid in full. Equifax stated that the creditor confirmed that there was a balance on the account owed and the information was accurate and correct. On the other hand, I called my creditor to find out that the creditor had reported the balance as being a XXXX balance as of XX/XX/2023. The following confirmation # XXXX is assigned to another dispute with Equifax for the same issue on XX/XX/2023. It appears that Equifax have the correct information of the XXXX balance but refuse to update my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My XXXX XXXX XXXX account is reporting delinquent, but I am current and have never been delinquent on this account with XXXX XXXX XXXX. I called them twice today to confirm I have never been late and 2 different reps told me what I already knew which is the fact that I have been delinquent with them.

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 2023-06-15 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My XXXX XXXX XXXX account is reporting delinquent, but I am current and have never been delinquent on this account with XXXX XXXX XXXX. I called them twice today to confirm I have never been late and 2 different reps told me what I already knew which is the fact that I have been delinquent with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My XXXX XXXX XXXX account is reporting delinquent, but I am current and have never been delinquent on this account with XXXX XXXX XXXX. I called them twice today to confirm I have never been late and 2 different reps told me what I already knew which is the fact that I have been delinquent with them.

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 2023-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
To Whom This May Concern XXXX  XXXX bankruptcy was on my credit report and XXXX XXXX bankruptcy did not release this information to the credit bureaus remove this off my report by law under the Fair Credit Report they are violating.

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 2023-06-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/22, I filed four disputes with PayPal credit. 
Because four transactions were made without my permission as my XXXX account were hacked. 
2 cases were closed in my favor Case ID # XXXX and case ID # XXXX and it mentioned that Walmart issued a refund For those 2 cases of total amount of {$690.00} Till now PayPal credit is delaying and denying that and they still asking me for that balance. 
I escalated the dispute of the 2 other cases that were closed against my favor Case ID # XXXX and Case ID # XXXX In the total amount of {$450.00} All XXXX transactions were fraud!! 
And the reason that made the 2 first cases closed in my favor must be the same reason For all other transactions. It is fraud! 
PayPal credit keeps denying the claim and they ask me for the whole 4 transactions amount!! 
I am attaching the 2 dispute cases results that were closed in my favor I printed them out from my PayPal account and PayPal did not refund me till now

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 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
On XX/XX/2023 I sold my handbag to XXXX XXXX XXXX XXXX. They sent the payment in the amount of {$3200.00} to my PayPal account. My PayPal email address is XXXX. Ive spoken to PayPal on XX/XX/2023 14 times. Ive sent copies of my identification cards and called my banks on three way. They advised me that my XXXX XXXX XXXX XXXX  is rejected their payment. I called XXXX XXXX  and they said no such thing. Then PayPal advised me that my XXXX XXXX XXXX  is rejecting the transfer. I called XXXX XXXX and they said they dont have a record of an attempt or a transfer from PayPal . PayPal keeps making excuses and error messages to hold my funds in the amount of {$3200.00}. Ive answered security questions correctly, identified information on my credit report, forwarded photo copies of my identification cards and did account verification via secure links.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
A collection is appearing on my account XXXX XXXX XXXX XXXX  This is an account that has been closed and should have never been reported. I do have the case report as proof.

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 2023-06-15 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: NY

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX 3 LATE PAYMENTS Balance details Paid off - Balance - Balance updated - Original balance {$2500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Secured Loan Payment summary XXXX XXXX XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XXXX XXXX - XXXX - - XXXX - - XXXX - - XXXX - XXXX - XXXX - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Paid, Closed. 
Status updated XXXX XXXX Original balance {$2500.00} Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms 120 Months Company sold - Original creditor - Comments- Your statement **CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Contact info Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed 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 explanation
Consumer complaint received 2023-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: ID

Complaint narrative:
They have called me 13 times today. Excessive calling tactics

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15 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:
A COLLECTION XXXX XXXX XXXX APPEARED ON MY TRANSUNION, XXXX AND XXXX. THIS ACCOUNT DOESNT BELONG TO ME. PLEASE REMOVE FROM CREDIT BURUEAS

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 2023-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
For approximately the last two years I have been on the phone over XXXX times with Equifax trying to get my account fixed so I can get my credit report I have sent the document after document followed every instruction. Every time I login it does not allow me I have been on the phone with Equifax multiple times trying to login all they do is say theyre going to fix it they never do they keep sending me emails saying its fixed but it never is. I have multiple recordings phone recordings of Equifax saying they dont know what the problem is, and they cant fix it. This is my last time before I file a hefty lawsuit violated every law of the FCRA. I am sick of this I cant speak my credit file because these morons dont wan na do their job Ive had enough. My login email is. XXXX. Attached is the result. The only thing Equifax is going to do is send a message saying were still working on it that has been a response for two years. They dont even answer my phone calls anymore. They dont respond to my emails. They have exactly 7 days to get this fixed or I promise you I will follow federal lawsuit.

Company response to consumer: Closed with explanation