vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
4. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
7. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
8. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
9. there is some inaccurate information reporting. 
PXXXX XXXX Account Number : XXXX Please remove it from my credit report.

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 2022-09-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX have violated my right 15 U S C 1681 section 602 A States i have the right to privacy 15 U S C 1681 section 602 A section 2 it also states a consumer reporting agency can not furnace my account without my written pemission

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 2022-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
I was charged overdraft fees when I opted to not have 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 explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
had a PayPal business account that I had opened when I had a business. because they couldn't offer me the services my business needed, I didn't use them, I took a loan from a family member, and was using PayPal to pay them back. have been transferring money into the PayPal account and paying the same person out of the account since XXXX of this year this month have have transferred XXXX into the account and was going to make the loan payment to my aunt who lent me money like I have since XXXX, but I could because PayPal, put limitations on my account. I went in to resolve these issues, however instead of resolving these issues, they completely froze the account. trapping my XXXX into the account in case of disputes, charge backs Etc. when there never has been one. they are hold my money for up to 180 day ( 6 Months ) I tried to call customer service, where I sat on hold for over an hour and a half, and was disconnected, when I immediately called back they were closed. 

The only reason I can find as to why is because it violated community guidelines. I dont know how making money transactions on a platform for sending and recieving money is a violation of the guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 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: NJ

Complaint narrative:
Dear Equifax, XXXX XXXX XXXX. I submitted a complaint in regards to Identity Theft, complaint ID XXXX. Pursuant to 15 USC 1681c-2 you are in violation of the FCRA and willfully violated my Consumer Rights according to the law. I have provided proper proof of Identity, an Identity Theft Report, identification of such information, as well as a statement. Pursuant to 15 USC 1681 c-2 - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

You are outside of the given timeframe allotted by the law to provide a fair and equitable resolution for the Consumer, myself. YOU BROKE THE LAW! I requesting that all information is deleted from credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I sent a dispute letter each addressed to the Credit Reporting Agencies on XX/XX/XXXX, requesting that the Credit Bureaus remove the disputed fraudulent items from my Credit File in accordance with the FCRA section 605b. I have read that the Credit reporting Agencies are required to remove any accounts and information that resulted due to identity theft theft. I am submitting this CFPB complaints to exercise my rights in accordance with the Fair Credit Reporting Act section 605b, and requesting that the Credit Bureaus remove the disputed accounts and information as soon as possible. Please investigate and remove the following items from my Credit file : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Date Opened XXXX XX/XX/XXXX Balance : {$0.00} XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} KOHLS/CAPONE XXXX Date Opened : XX/XX/XXXX Balance : {$430.00} XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} US DEPT ED XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} US DEPT ED XXXX Date Opened : XX/XX/XXXX Balance : {$50000.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$920.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$350.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5500.00} XXXX If the Credit Bureaus would claim that the disputed accounts belong to me, I request that the Credit Bureaus send me copies of proof of verification or any documents that has my signature on it to prove that the disputed account belong to me. And if the Credit Bureaus are unable to find such document, please have the disputed items deleted as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 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: PNC Bank N.A.
State: GA

Complaint narrative:
I have XXXX late payments reporting on my credit report due to PNCs error. The first late payment was on XX/XX/XXXX it was during the pandemic and I was told by a representative that I would be approved for a skipped payment. I elected for this option because I was laid off. The representative assured me that I would be approved and this call was recorded. Two weeks later, I saw that I WAS NOT approved and that the payment reported late for that month ( XX/XX/XXXX ). 
The second occurrence was XX/XX/XXXX. I made a payment and PNC confirmed there was a glitch in the system and it did not properly record my payment even though I had proof. I reached out to a XXXX XXXX in the executive relations dept. After emailing him 3 times, he finally responded. He assured me that the error would be fixed and that he would follow up. He never did. So I called back and escalated my complaint further. I spoke to a man named XXXX. He reviewed my complaint and stated that he would remove the late payment. The payment is STILL on my account and my mothers credit report XXXX XXXX ( who was my co signer ). I have proof that I spoke to these people and they promised to remove the late payments, but NEVER did.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 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: GA

Complaint narrative:
I sent a dispute letter each addressed to the Credit Reporting Agencies on XX/XX/XXXX, requesting that the Credit Bureaus remove the disputed fraudulent items from my Credit File in accordance with the FCRA section 605b. I have read that the Credit reporting Agencies are required to remove any accounts and information that resulted due to identity theft theft. I am submitting this CFPB complaints to exercise my rights in accordance with the Fair Credit Reporting Act section 605b, and requesting that the Credit Bureaus remove the disputed accounts and information as soon as possible. Please investigate and remove the following items from my Credit file : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXXXXXX Date Opened XXXX XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$430.00} XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} US DEPT ED XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} US DEPT ED XXXX Date Opened : XX/XX/XXXX Balance : {$50000.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$920.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$350.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5500.00} XXXX If the Credit Bureaus would claim that the disputed accounts belong to me, I request that the Credit Bureaus send me copies of proof of verification or any documents that has my signature on it to prove that the disputed account belong to me. And if the Credit Bureaus are unable to find such document, please have the disputed items deleted as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-30 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: GA

Complaint narrative:
I sent a dispute letter each addressed to the Credit Reporting Agencies on XX/XX/XXXX, requesting that the Credit Bureaus remove the disputed fraudulent items from my Credit File in accordance with the FCRA section 605b. I have read that the Credit reporting Agencies are required to remove any accounts and information that resulted due to identity theft theft. I am submitting this CFPB complaints to exercise my rights in accordance with the Fair Credit Reporting Act section 605b, and requesting that the Credit Bureaus remove the disputed accounts and information as soon as possible. Please investigate and remove the following items from my Credit file : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$0.00} XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Date Opened XXXX XX/XX/XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$430.00} XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} US DEPT ED XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} US DEPT ED XXXX Date Opened : XX/XX/XXXX Balance : {$50000.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$920.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$350.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5500.00} XXXX If the Credit Bureaus would claim that the disputed accounts belong to me, I request that the Credit Bureaus send me copies of proof of verification or any documents that has my signature on it to prove that the disputed account belong to me. And if the Credit Bureaus are unable to find such document, please have the disputed items deleted as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Instant Cash Advance Corp.
State: IL

Complaint narrative:
This website takes all of your personal information. DL #, social security number. Bank routing and account number and does nothing. Seems like a fraudulent site or is used to take information from people.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Please be advised this is my FOURTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite three previous written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : {$0.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am refiling this complaint to EQUIFAX, XXXXXXXX XXXX has breached CARES ACT. I was on Forbearance due to Covid 19 however I have signed a PARTIAL CLAIM already and my resumption of payment is from XX/XX/2022 how on earth do I have an overdue of 30 days with my XX/XX/2022 PAYMENT? You have the letter from XXXXXXXX XXXX  confirming the same. 

Please re-open my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
2021 dont know the dates but last year and I dont remember the amounts it was my work checks fees was getting taking out. They were supposed to send me a check I never received one and my account was closed by them for no reason

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 2022-09-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I called the Experian and XXXX after I purchased a credit report with XXXX on XX/XX/2022. After receiving a copy of my report, I saw this UNVERIFIABLE account on my personal profile, I noticed that there was an account on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/2022. I believe they have failed to authenticate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX XXXX, and hoping that this XXXX XXXX  XXXX lates will 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 explanation
Consumer complaint received 2022-09-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the lawBANKAMERICA XXXX Date Opened : XX/XX/06 Balance : {$0.00} 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 2022-09-30 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: EQUIFAX, INC.
State: MD

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 U.S.C. 1681. XXXX XXXX XXXX XXXXXXXX # XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Acct. # XXXX XXXX XXXX  Acct. # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX. 15 U.S.C. 1681 section 602 A states I have the right to privacy. 15 U.S.C. 1681 604 A section2 also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C. 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information and other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 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 response to consumer: Closed with explanation