vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-14 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: MO

Complaint narrative:
I see that Equifax is still reporting transactions of my consumer report even though it is illegal to do so and specifically the XXXX XXXX reporting 's. I have already complained about these violations their committing in previous complaint they have received. They have added remarks to the XXXX XXXX reporting 's saying " Account previously in dispute-now resolved by furnisher ''. This problem has not been resolved and my federal consumer rights are knowingly being violated. I will proceed with further legal actions if I'm continued to be ignored because of the federals Acts/Laws being violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
On XX/XX/year> I attempted to send {$2500.00} to my daughter XXXX XXXX from my Paypal account. She did not receive the money and I began looking into it. 

On XX/XX/year> this amount was withdrawn from my checking account connected to my PayPal account. 

On XXXX I reported this issue to PayPal . Their response, apparently on XX/XX/year>, indicated the receiver of the money as my daughter with an email address of XXXX. 

I did not understand what was going on and tried to talk with someone at PayPal but I was not able to reach a person. On XX/XX/year>, I sent an email to PayPal, stated I was the only person with access to my PayPal account and did not type in or recognize XXXX, and asked the basis for the decision. 

In a XX/XX/year> online message, PayPal stated, " Personal payments are not intended for the purchase of goods or services from sellers and therefore can not be disputed. 

The XXXX person must have hacked into my account and used my daughter 's icon on my list. PayPal did not try to explain the mechanics of how this could happen and did not explain how they were not at fault.

Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I've found mistakes on my credit report concerning 15 USC 1681c-2. The listed inquiries were not authorized by me and are damaging my credit. Please remove all unauthorized hard inquiries.

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 2024-10-14 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: AL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was looking at my report and notice there were some things that was not correct. I sent a letter to XXXX on XX/XX/year> here is my tracking number XXXX XXXX XXXX XXXX XXXX XXXX. But it has been more than 35 days, Experian still haven't responded to my letter. That a violation of 15 USC 1681 ( a ) ( 1 ) ( A ) Under 15 USC 1681 ( 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I was a member of Bank of America with a remaining cash balance in my checking account of XXXX dollars in XXXX. During this time, I had lost my job due to covid, so I was receiving unemployment. My live in fianc that shared the same address as me was also receiving unemployment had his check deposited into our bank account. My account was flagged due to having two separate unemployment checks deposited. I as well as my fianc contacted our local unemployment building and asked, they contact Bank of America to verify no fraud had occurred. I contacted Bank of America for two years to be reimbursed from the money they stole from me while still continuing to charge me a monthly maintenance fee out of my remaining funds. To this date, there is a remaining balance of XXXX dollars that they are withholding of my funds and refusing to release. I know this due to a cash advance app that I had my bank account linked to. It sends me periodic updates informing me of my remaining balance in my Bank of America account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ECMC GROUP, INC.
State: PA

Complaint narrative:
In XXXX I borrowed 2 amounts, XXXX and XXXX. I paid these in full in XXXX, ECMC reported them to XXXX XXXX as unpaid AFTER sending me a paid in full letter. 

In XXXX I borrowed 2 amounts XXXX and XXXX. I paid these in full @ {$4600.00} in XXXX directly to ECMC. ECMC then added another $ XXXX worth of loans that do not exist to my credit using the same account numbers. 

Recently, they claimed the loans were not paid but again, I did get a paid in full letter. These items have been reported by multiple lenders, XXXX XXXX, XXXX, XXXX, XXXX and the accounts remained open even after being satisfied. Additionally, they fabricated the amount outstanding and then later rescinded the messages. 

The multiple entries sitting open on my credit have been detrimental to my borrowing power. I have already overpaid, they deleted historical payments and even claim now that the XXXX loans are outstanding ( even added a new one )!

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 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This morning, I was stunned to see inaccurate accounts listed on my credit report for no apparent reason. I regularly check my report, and this time, it had errors that seemed to come from nowhere. I refreshed my browser, thinking it might fix the issue, but the accounts were still there. Im really disappointed and want to ensure that the documents I sent are thoroughly checked so I can put this behind me once and for all.

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 2024-10-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: Credit Karma, LLC
State: TX

Complaint narrative:
My tax return was deposited into a credit karma spend account that credit karma closed and they moved my money to a save account. Credit karma wont let me change or add another bank account to transfer the funds and I have tried to close the account and get a paper check mailed to me for XXXX XXXX!!! I keep calling and I have been told so many things and I have done everything that they have asked me to do and they still have not mailed my money!!! My kids and I are XXXX and I need my money and I have told them this repeatedly!!! My XXXX that we XXXX XXXX is about to be taken away and they still wont send my money so I can pay it!!! I need my money over night mailed to the address on file, I NEED MY MONEY OUT OF MY ACCOUNT!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-14 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: GA

Complaint narrative:
XXXX XXXX XXXXXXXX Experian XXXX Account # : XXXX Balance : {$2900.00} {$2900.00} The above company is reporting a balance on a disputed account. I am writing to formally dispute an inaccuracy on my credit report as provided by your bureau. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report. This dispute is also in alignment with XXXX XXXX compliance standards which mandate accurate and complete credit reporting by furnishers of credit information. The late payment and or balance on an account with XXXX XXXX. This information is incorrect because the account has been charged-off. { A discharge of an obligation or debt, and part payment, if accepted, is a discharge pro tanto. Hattrem v. Burdick, 138 Or.600. 6 P.2d 18. 19. } .Under the FCRA , specifically 15 U.S.C. 1681i, you are required to investigate and correct any inaccuracies within a reasonable time frame. Additionally, XXXX XXXX compliance guidelines stipulate that all information reported must be accurate and up-to-date. Please conduct a thorough investigation into this matter and correct the erroneous information. I have enclosed copies of relevant documents to support my claim. Additionally, under the FCRA, you are required to notify me of the results of your investigation and provide a revised copy of my credit report reflecting the corrections. Please acknowledge receipt of this letter and let me know the next steps. Should you need any further information, see attachments! 

Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
trans union has information that is outdated on my report that needs to be 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 2024-10-14 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: FL

Complaint narrative:
My account with Equifax was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment

that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Equifax Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

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 response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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: TX

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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 shocked this morning to find inaccurate accounts suddenly showing up on my credit report, and I have no clue why. I always check my report regularly, but this time, there were unexpected discrepancies. I even refreshed my browser, thinking it might be a glitch, but the incorrect accounts remained. Im really upset about this and want the documents Ive provided to be carefully reviewed, so I dont have to worry about this happening again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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: CA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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: MS

Complaint narrative:
SENT DISPUTES OUT WEEKS AGO, DISPUTING THE ACCURACY OF ACCOUNTS REPORTING ON MY CONSUMER REPORT. THEY DID NOT GET DELETED. THE ACCOUNTS BEING DISPUUTED HAVE SEVERAL INACCURACIES AND MUST BE DELTED UNDER THE FCRA. UNVERIFIED, INACCURATE ACCOUNTS CAN NOT BE REPORTED ON A CONSUMER REPORT. AFTER YOUR REINVESTIGATION, DELETE AND BLOCK THESE ACCOUNTS THAT ARE REPORTING THE INFORMATION THAT IM DISPUTING. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -I ALSO AN ACCOUNT THAT IS REPORTING LATE PAYMENTS IN THE PAYMENT HISTORY. THE ACCOUNT IS CREDIT ACCEPTANCE. I HAVE NOT BEEN LATE ON ANY PAYMENTS. YOU HAVE 30 DAYS TO SEND ME VERIFIEABLE PROOF THAT I WAS LATE. IF YOU CANT SEND THE INFORMATION OR PROVIDE ORIGINAL DOCUMENTION PROVING I DIDNT MAKE THE PAYMENT, THE YOU ARE REQUIRED UNDER THE FCRA TO UPDATE ANY LATE PAYMENT IN THE PAYMENT HISTORY TO " : PAID ON TIME, CUURENT, PAID, NEVER LATE. ''

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 2024-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
I had an ongoing XXXX claim started late in XXXX. This claim began with my money being deposited in a XXXX  XXXX XXXX account with which I had no issue. However part way through the claim XXXX switched to Money Network. When I finally went to access this money several months later I found the account had been stolen and that someone had fraudulently claimed the account and drained it of all the money in it. I filed a dispute with Money Network where they reversed a small portion of the transactions, however the vast majority of of the money they claimed they could not reverse due to it being " digitally verified ''. After much back and forth of my calling them and mailing them over many months I find out this means that a password has been input by the account holder to authorize those transactions. However of course the fraudster in control of the account and who made it to begin with is able to " digitally verify '' their own transactions as they're the one in control of the account. I file an appeal with many network, spend several more weeks and months on and off the phone with them and they essentially tell me they won't reverse the transactions, still due to them being " digitally verified '' by the fraudster, which is patently absurd. So I have now effectively had XXXX $ stolen from me due to what was almost certainly a data breech on Money Network 's end ( as this is essentially the only way the fraudster could've obtained the card information since the card that was sent to me had never been activated or used ) and Money Network telling me they won't do anything about it nor will they explain themselves on why my dispute is insufficient.

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