vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.

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 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/year> when looking at my bank account online in the list of balances showing I noted that I had a negative balance in the amount of - {$210.00} on my credit card due to a refund after I paid the balance off. As I use my account to transfer balances between checking savings and etc., I clicked on balance transfer and moved that negative balance to my other account. Nowhere in this transaction did it inform me that this would become a cash advance and subject to a {$10.00} fee. Had it done so I would not have made the transfer as my only intention was to avoid requesting a check for a negative balance in my account. Thoughts being this will save the bank money. This will save me time and it is actually MY MONEY. At that point when I pulled my account up a day or two later I saw they had charged me a {$10.00} cash advance fee plus a XXXX interest. I contacted the bank credit card department and was told it was a cash advance. I had to pay the {$10.00}. I then went to the supervisor a XXXX XXXX at the bank who again said I had to pay this fee. It was nonrefundable. As as a retiree and elderly person of this bank before it became Truist, I know that you can do a refund. Its just not normally done, but this was not a cash advance. This was purely a movement of my money and I want my money back. This should not be a feed issue and a person should be given the option if you elect to do a balance transfer between the card and another account. Nothing was borrowed and this option was not shown, stated or allowed. Only treated as any other balance transfer of a customers funds, THEIR MONEY, BETWEEN ACCOUNTS. I want my money and interest refunded and for the bank to place a safeguard against this in the transfer procedures. This is fraud against the 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 explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OK

Complaint narrative:
On Thursday. XX/XX/XXXX, I looked up the customer service number for XXXX on XXXX search. I dialed what I thought was XXXX. The number was XXXX. 
I explained to the party who answered I purchased an item from a dealer. It did not pass authentication ... .the item was in fact XXXX and real stones, however the clarity and color were not correct. 
I explained to the seller I still wanted item. They said they had to refund item and went it came back from authentication, they would let me know and I could repurchase. 
They resold the item and let me know two days later. 
The " would be '' XXXX XXXX. person said that happens a lot. Dealers don't want to pay CC fees, so they cancel transactions. 
He said he could cancel that sale and I could rebuild the item right now. I okay this and he said he needed me to download the helpdesk app. I did this and he transferred the money from PayPal. At this point he started sounding very unprofessional and I told him I was driving to the police station ... .which I did. They told me to call my bank ASAP. I did this. Within 40 minutes I was at my bank, closing my account and calling PayPal. 
They said because it was done using, Friends and Family '' I agreed to the transaction. 
I called and emailed PayPal many, many times over the next two days, explaining the fraud. 
They continued to hide behind their policy, regardless that I was reporting fraud. Two times I was told they had held the money in the individual 's account since it looked suspicious. I said, It is suspicious. Regardless of policy, when you have a trusted 14 year customer on the phone telling you there is fraud, it is unconcsionable to continue the transfer. I completed a complaint with the FBI, as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally address a violation of the Fair Credit Reporting Act ( FCRA ) and to highlight specific inaccuracies in how XXXX has reported my account to the credit bureaus XXXX and Equifax. These actions breach FCRA sections 623 ( a ) ( 1 ) ( A ) and 623 ( b ), which require accurate reporting of information and reasonable investigation of disputes. There are several inconsistencies in the reporting of this account, including payment dates, last active dates, and dates being reported. Moreover, the account status was not updated to reflect the payment accurately, as required under FCRA Section 623 ( a ) ( 1 ) ( A ), which mandates that information provided to credit bureaus be accurate and truthful. XXXX has also reported inconsistent and inaccurate information to XXXX and Equifax regarding this account. Specifically, the date " Last Active '' is being reported as XX/XX/XXXX on XXXX, and XX/XX/XXXX on Equifax. Additionally, XXXX reports an " Last Payment '' date of XX/XX/XXXX, while Equifax reports a " Last Payment '' date of XX/XX/XXXX. XXXX has removed the account described, which further proves that Equifax XXXX XXXX have not completed an accurate investigation into this matter. Despite multiple disputes, both credit bureaus continue to report this inaccurate information, indicating XXXX has failed to fulfill its obligations under FCRA Section 623 ( b ), which requires a reasonable investigation of disputes and the correction of errors. These actions have caused significant harm to my financial well-being and creditworthiness. The inaccurate and unfair reporting on my credit profile directly impacts my ability to access financial opportunities and has created unnecessary stress. As a consumer, I have the right under FCRA to dispute any inaccuracies on my credit report and expect them to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: TX

Complaint narrative:
I am writing to formally address a violation of the Fair Credit Reporting Act ( FCRA ) and to highlight specific inaccuracies in how XXXX has reported my account to the credit bureaus Experian and XXXX. These actions breach FCRA sections 623 ( a ) ( 1 ) ( A ) and 623 ( b ), which require accurate reporting of information and reasonable investigation of disputes. There are several inconsistencies in the reporting of this account, including payment dates, last active dates, and dates being reported. Moreover, the account status was not updated to reflect the payment accurately, as required under FCRA Section 623 ( a ) ( 1 ) ( A ), which mandates that information provided to credit bureaus be accurate and truthful. XXXX has also reported inconsistent and inaccurate information to Experian and XXXX regarding this account. Specifically, the date " Last Active '' is being reported as XX/XX/XXXX on Experian, and XX/XX/XXXX on XXXX. Additionally, Experian reports an " Last Payment '' date of XX/XX/XXXX, while XXXX reports a " Last Payment '' date of XX/XX/XXXX. XXXX has removed the account described, which further proves that XXXX XXXX Experian have not completed an accurate investigation into this matter. Despite multiple disputes, both credit bureaus continue to report this inaccurate information, indicating XXXX has failed to fulfill its obligations under FCRA Section 623 ( b ), which requires a reasonable investigation of disputes and the correction of errors. These actions have caused significant harm to my financial well-being and creditworthiness. The inaccurate and unfair reporting on my credit profile directly impacts my ability to access financial opportunities and has created unnecessary stress. As a consumer, I have the right under FCRA to dispute any inaccuracies on my credit report and expect them to be corrected.

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 2024-12-02 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: NC

Complaint narrative:
I OBTAINED A FULL COPY OF MY CREDIT REPORT AND NOTICED MORE ACCOUNTS BEING REPORTED THAT I HAVE NO KNOWLEDGE OF, NOR DID I GIVE PERMISSION TO BE FURNISHED TO MY CREDIT REPORT. 

I'VE CONTACTED THE CREDIT REPORTING AGENCIES REQUESTING THESE ACCOUNTS BE VERIFIED AND THEY ARE UNVERIFIABLE. THESE ACCOUNTS BEING REPORTED TO MY PROFILE ARE SEVERELY IMPACTING MY ABILITY TO OBTAIN CREDIT. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 REPORTING FRAUDULENT ACCOUNTS IS SEVERELY IMPACTING MY CREDIT AND THE CREDIT REPORTING AGENCIES HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY. REPORTING AN UNVERIFIED ACCOUNT IS IN VIOLATION OF 15 USC 1681 EB DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 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: Kikoff Inc.
State: GA

Complaint narrative:
I never had an account with the company and they are reporting as me having late payments and it being charged off. I requested information about the issue and it is still being reported.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: NY

Complaint narrative:
Hello, Ive noticed that my Equifax credit report contains inaccurate personal information, leading to the appearance of fraudulent and unknown accounts that I have never been associated with. I am a victim of identity theft, and my personal information was used without my consent to open these accounts. Following Equifaxs guidance, I filed a report with the Federal Trade Commission ( FTC ) and submitted the necessary documentation. Despite this, the fraudulent accounts remain on my report, causing ongoing harm to my financial standing and personal well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Subject : Notice Regarding Discharge of Debt Under HJR 192 and Request for Credit File Update I am writing to formally notify you of my status as a Secured Party Creditor and the discharge of all debts associated with my accounts under the provisions of House Joint Resolution 192 ( HJR 192 ) of 1933. Enclosed with this correspondence is an official document from the Internal Revenue Service corroborating this discharge. 

The discharged accounts include obligations reported under the following institutions : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Under the authority of HJR 192 and supporting documentation, I understand that these debts are considered null and void. Furthermore, I request that any derogatory or inaccurate information about these discharged accounts be permanently removed from my credit file. 

As a consumer, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), specifically under : 15 U.S.C. 1681i : The right to dispute inaccurate information and have it promptly corrected. 
15 U.S.C. 1681c : The right to request the removal of obsolete information.

To ensure compliance with federal laws, I expect these actions to be completed within 7 business calendar days from the date of your receipt of this notice.

Failure to comply with this lawful request may result in further action, including filing a formal complaint with the Federal Trade Commission and potential legal remedies. 

Please confirm in writing once these corrections have been made, and direct any correspondence or inquiries regarding this matter to my attention at the address on file. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Subject : Notice Regarding Discharge of Debt Under HJR 192 and Request for Credit File Update I am writing to formally notify you of my status as a Secured Party Creditor and the discharge of all debts associated with my accounts under the provisions of House Joint Resolution 192 ( HJR 192 ) of 1933. Enclosed with this correspondence is an official document from the Internal Revenue Service corroborating this discharge.

The discharged accounts include obligations reported under the following institutions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the authority of HJR 192 and supporting documentation, I understand that these debts are considered null and void. Furthermore, I request that any derogatory or inaccurate information about these discharged accounts be permanently removed from my credit file. 

As a consumer, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), specifically under : 15 U.S.C. 1681i : The right to dispute inaccurate information and have it promptly corrected.

15 U.S.C. 1681c : The right to request the removal of obsolete information. To ensure compliance with federal laws, I expect these actions to be completed within 7 business calendar days from the date of your receipt
of this notice.

Failure to comply with this lawful request may result in further action, including filing a formal complaint with the Federal Trade Commission and potential legal remedies. 

Please confirm in writing once these corrections have been made, and direct any correspondence or inquiries regarding this matter to my attention at the address on file. 

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 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law. 

For this Items Below Please do as what instruction in compliance of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: NY

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law. 

For this Items Below Please do as what instruction in compliance of the law.

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 2024-12-02 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 insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 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: IL

Complaint narrative:
THESE ARE NOT MY INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> PLEASE REMOVE THIS ON MY ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
THESE ARE NOT MY INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> PLEASE REMOVE THIS ON MY 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 explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX Account name : XXXX  Account name : XXXX XXXX Account name : XXXX  has violated my rights.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX Account name : XXXX  Account name : XXXX XXXX Account name : XXXX  has violated my rights.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-12-02 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: MD

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

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 2024-12-02 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future 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 non-monetary relief