vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit was pulled without my permission or knowledge resulting in hard inquiries in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX are reporting still wrong account on my credit report after a already file e complaint against them Delete these accounts...

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 2024-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TD BANK US HOLDING COMPANY
State: LA

Complaint narrative:
15 U.S.C.1692C IF A CONSUMER NOTIFIES A DEBT COLLECTOR THAT THE CUNSUMER REFUSES TO PAY A DEBT THE DEBT COLLECTOR MUST CEASE ALL COMMUNICATIONS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
Regions bank is still doing there shady practices with NSF fees. Whats it going to take to get them to stop these crooked practices????? They already had to settle once because of their crooked crimes. But still true continue!

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 2024-07-14 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: Avant Holding Company, Inc.
State: AZ

Complaint narrative:
I applied for a loan and this company failed to reply in a timely fashion, ignored my email requests, spoke with me multiple times via representatives " off shore '' possibly in XXXX. They never asked me last XXXX ss and XXXX when they came back to the line. They were inexperienced in examining my financials, and even asked me to send a personal document ( my tax return ) to an unsecured email address. They repeatedly violated privacy and provided poor services, and failed to give me a supervisor in the XXXX. Now I have a hard inquiry and they did nothing for me. I want the hard inquiry erased, and I would like to see Avant investigated for privacy violations. The offshore agents have no idea what they are doing and are security liabilities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/XXXX| received a payment through PayPal of XXXX dollars for couches I was selling off of XXXX XXXX. I was charged a " Seller 's Protection '' fee from PayPal for XXXX so only received XXXX of the XXXX payment which I transferred to my bank. 

The transaction went through and everything seemed fine. However, on XX/XX/XXXX I received an email saying the buyer filed a case stating they did not make this purchase. In the same email it stated I was eligible for " Seller 's Protection '' and to provide information in the resolution center. 
I uploaded screenshots, pictures, and video evidence of the customer physically loading the couches into his XXXX and driving away. 

In the full length video, which I was unable to provide in entirety due to an upload limitation you can hear the customer confirming if the PayPal payment went through. I called PayPal to let them know what was going on and that I had additional evidence if there was any question and was just told they would reach out if anything was needed. 

On XX/XX/XXXX| received a case update saying the transaction was not covered because I failed to provide " proof of shipment '' and that I will be charged an additional " dispute fee '' of XXXX dollars. 

I have reached out to PayPal numerous times XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX since the beginning of this dispute and have heard multiple reasons as to why they are failing to provided the " sellers protection '' that was purchased. Reasons anywhere from I never had sellers protection to I didn't provide a tracking number, to they are just the middle man and are unable to do anything since it was initiated through the customers bank ( XXXX ). 

I'm overall frustrated that PayPal has not only forced me to give away my reclining sofa set for free but also charged me XXXX in the process. So in reality, l 've paid XXXX for someone to steal my couches, being scammed not only by the customer but PayPal as a company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Please fix this information following with attachments I don't have any late payment accounts

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 2024-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit was pulled without my permission or knowledge resulting in hard inquiries in my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
Theyve called from various numbers once a day for the last about XXXX weeks, largely while Im at work as a XXXX XXXX 

Chase completely screwed me when I was waiting to start work XXXX with the IRS barely making bills and decided to without telling me send the amount of my credit card ( {$3200.00} ) PLUS any interest ( to a total of about $ XXXX ) effectively tanking my credit and setting me back on progress I was finally making having gotten to start work. Now I dont qualify for any housing grants, rentals, etc. All because of them. 

Now the debt collectors are calling me relentlessly over a bill I not only cant afford but frankly WILL NOT PAY knowing they already wrecked my credit for the next AT LEAST XXXX years. Chase threatened to sue and in turn so did XXXX XXXX among their other disgusting behavior and harassment. 

XXXX a XXXX individual who JUST got to finally catch up on their bills and find a career and Chase Bank along with XXXX XXXX are doing everything they can to prohibit me from any normal/decent quality of life.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit was pulled without my permission or knowledge resulting in hard inquiries in my 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 explanation
Consumer complaint received 2024-07-14 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: MI

Complaint narrative:
Transunion is reporting fraudulent inquiries on my credit profile after I have asked them multiple times to remove them. They are being paid by companies that I never did business with to report false information on my credit profile causing great harm to my credit and making me look bad to creditors. I have never authorized these inquiries and I demand that they be removed off my credit profile. I know that only 100 % information can be reported on my credit profile and that any inaccurate Information must be removed. These inquires has caused me to be denied credit and has caused me great financial harm because I can't obtain credit and was denied several loans due to this inaccurate information, they refuse to remove off my credit report. I am asking that the CFPB make this company abide by the FCRA rules and demand them to remove the inaccurate and false information on my credit report. The inquiries listed below do not belong to me I never gave them permission to obtain my credit profile or gain access to my social security number. REMOVE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit was pulled without my permission or knowledge resulting in hard inquiries in my 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 2024-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
Name : XXXX XXXX XXXX ID : XXXX Date of Birth : XX/XX/year> SSN : XXXX Address : XXXX XXXX XXXX XXXXXXXX KY XXXX Chex Systems , Inc XXXX 
Attn : Consumer Relations XXXX XXXX XXXX XXXX, MN XXXX I am writing to request an investigation of the following information that appears on my Chex System consumer report which is fraudulent. 
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. Items listed above, have violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It 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 Any 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 ( AN ( 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. 
I have NEVER opened or used the following account numbers, please remove all information below : Contributor : XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Contribution XXXX : Checking Account Fraud Bank Routing # : XXXX Account # : XXXX Fraudulent Inquiries below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Chex Systems report immediately! Ive attached a copy of the report to this request. Thank you for your assistance. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Student Loans : # XXXX, XXXX XXXX : # XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to XXXX XXXX XXXX they are suppose to 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 2024-07-14 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: WA

Complaint narrative:
**Subject : Complaint and Dispute Against Equifax and XXXX XXXX for Unauthorized Furnishing of Consumer Report Data** **To Whom It May Concern : ** I am writing to file a formal complaint against Equifax and XXXX XXXX for violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b regarding permissible purposes for obtaining consumer reports.

**Details of the Complaint : ** 1. **Unauthorized Access and Use of Consumer Report Data : ** - XXXX XXXX furnished my private data to Equifax without my express written consent. This is a direct violation of 15 U.S. Code 1681b, which mandates permissible purposes for accessing and using consumer report information. Neither Equifax nor XXXX XXXX had my express written permission to furnish this data. 

2. **Lack of Due Diligence by XXXX XXXX : ** - XXXX XXXX has failed to demonstrate the detailed steps taken to ensure that my credit report was clear and accurate before furnishing the data to Equifax .

3. **Fraudulent Activities by XXXX XXXX : ** - XXXX XXXX has committed multiple fraudulent activities, including but not limited to : - Falsifying the validation of debt. 
- Falsely claiming that I signed an agreement with them. 
- Falsifying records of sending my statements in a timely manner. 
- Refusing to accept my tender. 
-Reporting my open end credit as late on multiple occaisions with out ensureing my statements came 21 days prior to close according to 15 USC 1681a ( 2 ) ( 1 ) & 15 USC 1666B These actions constitute numerous federal crimes and have caused significant harm and distress.

**Requested Resolution : ** 1. Immediate removal of any data furnished by XXXX XXXX from my consumer report.

2. A thorough investigation into the unauthorized furnishing of my data.

3. Appropriate penalties and corrective measures against Equifax and XXXX XXXX for these violations.

4. Written confirmation of the actions taken in response to this complaint. 

I am asserting my rights under the Fair Credit Reporting Act and demand that these violations be addressed promptly. Please consider this communication as formal notice of my intent to enforce my rights under the law. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-14 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: GA

Complaint narrative:
XXXX  Account number ending in XXXX XXXX XXXX XXXX, OH XXXX My XXXX account was transferred from XXXX XXXX to XXXX XXXX  last year. Prior to the transfer I submitted a payment to XXXX XXXX which was evidently not transferred to XXXX. I was unaware that the payment had not transferred until I received something from XXXX. I tried on several occasions to make the payment with XXXX, but their system was not operating correctly, and every telephone call was either dropped or disconnected. Consequently, XXXX reported that my account was late in XX/XX/scrub>XXXX 2023 2023

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 2024-07-14 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: GA

Complaint narrative:
XXXX  Account number ending in XXXX XXXX XXXX XXXX, OH XXXX My XXXX account was transferred from XXXX XXXX to XXXX XXXX  last year. Prior to the transfer I submitted a payment to XXXX XXXX which was evidently not transferred to XXXX. I was unaware that the payment had not transferred until I received something from XXXX. I tried on several occasions to make the payment with XXXX, but their system was not operating correctly, and every telephone call was either dropped or disconnected. Consequently, XXXX reported that my account was late in XX/XX/scrub>XXXX 2023 2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX  Account number ending in XXXX XXXX XXXX XXXX, OH XXXX My XXXX account was transferred from XXXX XXXX to XXXX XXXX  last year. Prior to the transfer I submitted a payment to XXXX XXXX which was evidently not transferred to XXXX. I was unaware that the payment had not transferred until I received something from XXXX. I tried on several occasions to make the payment with XXXX, but their system was not operating correctly, and every telephone call was either dropped or disconnected. Consequently, XXXX reported that my account was late in XXXX  2023 2023

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 2024-07-14 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: EQUIFAX, INC.
State: MA

Complaint narrative:
An account under XXXX has been listed on my credit profile and does not belong to me. I have no knowledge of this account and have contacted the credit bureau numerous times for it to be deleted. This account needs to be removed from my credit report ASAP as it is hindering me from receiving accurate reporting, violating my consumer rights. FCRA Section 605B also requires by law to obtain consent before including information on my credit report. This is a violation of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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

I told/informed XXXX, Transunion, and XXXX to reinvestigate and or remove these accounts : XXXX, XXXX, TRANSUNION DISPUTES : 1. XXXX XXXX XXXX  XXXX XXXX {$2000.00} * Account # : XXXX * Date Opened : XX/XX/XXXX 2. XXXX XXXX > {$500.00} * Account # : XXXX * Date Opened : XXXX XXXX, XXXX 3. XXXX XXXX {$720.00} * Account # : XXXX * Date Opened : XX/XX/XXXX 4. XXXX XXXX XXXX XXXX XXXX {$700.00} * Account # : XXXX * Date Opened : XXXX XXXX, XXXX In addition to, the Credit Agencies stated everything was complete, accurate, and all the fraudulent items will be removed and or blocked in the 4 business days allowed with the law & in accordance to Consumer Law ( FCRA ) 15 U.S.C 605B & 15 U.S.C 1681 ; But the open date, date of last activity and much more is incorrect & fraudulent with these accounts on my Credit Profile. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

In conclusion, I would like to use the following Consumer Laws ( FCRA ) to my benefit in regards to my situation of Identity Theft and fraudulent, inaccurate & unauthorized items on my Credit Profile. The selected laws are as follows : 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 ], 15 U.S.C 1692c, 15 U.S.C 1601, 15 U.S.C 605B, 15 U.S.C 1681a-2, & 15 U.S.C 1681n, 15 U.S.C 1602p, 15 U.S.C 1681, 15 U.S.C 1666b.

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