vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-25 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: OK

Complaint narrative:
Under the FCRA, I dispute the reported late payment on my account as inaccurate. The Act requires all reported information to be accurate and verifiable. I request an investigation and evidence supporting the claim. If unverified, please correct or remove it from my credit report as required by 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 non-monetary relief
Consumer complaint received 2024-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information 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 2024-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-25 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-12-25 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:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX  XXXX Opened : XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Opened XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX Opened : XXXX Balance : {$19000.00} 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 non-monetary relief
Consumer complaint received 2024-12-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
On XX/XX/2024 I was sent an email stating that a judgement has been won against me and that this was my last chance to avoid garnishment. In that email the options presented were to pay a lump sum that day, or half of the lumps sum that day. In the email it gave the options XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TransferWise Ltd

Complaint narrative:
On XX/XX/year>, I attempted a XXXX transaction on the XXXX XXXX to purchase XXXX. I quickly became suspicious of the counterparty and immediately cancelled the transaction. I have documentation from XXXX confirming this cancellation. 

The following day, on XX/XX/year>, my Wise account was closed. I had been using the account for legitimate business purposes as a freelance CPA marketer, receiving payments from international clients and affiliate networks. 

I appealed the closure with Wise on XX/XX/year>, providing documentation of the cancelled XXXX transaction and explaining my legitimate business use of the account. I also requested a refund of the remaining balance in my Wise account. 

Wise responded on XX/XX/year>, stating they would keep the account closed and would not provide a refund. They stated they could not share the specific reason for the closure, citing regulatory compliance. 

I sent a follow-up communication to Wise on XX/XX/year>, again requesting a refund and providing further clarification about the cancelled XXXX transaction. 

Wise responded again when I called them by phone on XX/XX/year>, reiterating their decision to keep the account closed and refuse a refund. 

I subsequently sent a formal demand letter to Wise on XX/XX/year>, demanding the return of my funds and threatening further legal action. 

To date, I have not received a refund of the funds held in my Wise account, and the account remains closed. The key issue is the account closure following a cancelled transaction and the subsequent refusal to return my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 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: KS

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am formally disputing the reported late payment on my account, as I believe this information to be inaccurate. The FCRA mandates that all data furnished to credit reporting agencies must meet stringent standards of accuracy and verifiability. 

I respectfully request that the creditor or data furnisher conduct a thorough investigation into this matter and provide concrete evidence substantiating the claim of a late payment. In the absence of such verifiable evidence, I urge that the disputed information be promptly corrected or removed from my credit report in compliance with the provisions of the FCRA. 

This issue is of significant concern, as inaccurate reporting has far-reaching implications on creditworthiness, and I trust that due diligence will be exercised to ensure adherence to 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 2024-12-25 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: CA

Complaint narrative:
Under the FCRA, I dispute the reported late payment on my account as inaccurate. The Act requires all reported information to be accurate and verifiable. I request an investigation and evidence supporting the claim. If unverified, please correct or remove it from my credit report as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-25 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: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I am writing to formally address concerns regarding my account with your institution. Specifically, despite fully paying off a this account. I believe Navy Federal Credit Union is violating my rights under federal consumer protection laws. The reported information is inaccurate and should be deleted for the following reasons : 1. Incorrect Balance and Past Due Amount : This account was paid in full. The balance and past-due amounts are incorrect. 
2. Incorrect Payment History : The reported payment history rating does not reflect the accounts actual payment record. 
3. Misclassification as a Charge-Off/Collection : This account is not a charge-off or collection. It has been fully paid and should be reported as PAID. 
4. Incorrect Remarks Field : The remarks field is misleading and inaccurate. Please delete all remarks associated with this account. 
The continued reporting of this inaccurate information is a violation of the FACT Act and the FCRA, which mandate that credit reporting agencies ensure the maximum possible accuracy of the data they report. 

I am requesting that this account be reviewed and updated to reflect the following changes : I request the immediate removal of this account from all credit reporting agencies. 


Details of Violations 1. Fair Credit Reporting Act ( FCRA ) : Navy Federal has inaccurately reported my paid charge-off as unresolved to credit reporting agencies. 

Additionally, the account has not been updated to accurately reflect its paid status, despite my requests to rectify the issue. 

2. Consumer Financial Protection Act ( CFPA ) : Your institution has engaged in practices that may be considered unfair, deceptive, or abusive by failing to ensure accurate reporting and withholding proper resolution information. 

I request the immediate removal of this account from all credit reporting agencies. I am writing to formally address the tangible losses I have experienced as a direct result of the inaccuracies in my credit report. These violations have led to the denial of loans and higher interest rates, significantly impacting my financial well-being. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting statutory damages of {$1000.00} for each violation. Additionally, I am seeking compensation for monetary damages, including punitive damages, to address the harm caused by these errors.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-25 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: NC

Complaint narrative:
I would like to dispute these inaccurate accounts on my credit report. 

Experian : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-12-25 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: HI

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. XXXX XXXX XXXXXXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the 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 2024-12-25 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: KS

Complaint narrative:
The lack of evidence to support this account 's reliability and the spread of unverified information clearly violate the requirements of 15 USC 1681i ( 7 ). This non-compliance is both concerning and frustrating, given the importance of following legal obligations.

I urge the immediate removal of this account under the specified regulations unless verifiable evidence is provided to confirm its authenticity. Delaying action only adds to the frustration caused by the failure to adhere to regulatory standards and ensure fairness and accuracy.

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 2024-12-25 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: MI

Complaint narrative:
The lack of concrete evidence to support the accounts reliability and the spread of unverified information clearly violate the statutory requirements of 15 USC 1681i ( 7 ). This non-compliance is both troubling and frustrating, given the importance of following legal obligations. 

I strongly urge the immediate removal of this account under the specified regulations unless verifiable evidence is promptly provided to confirm its authenticity. Delaying resolution only worsens the frustration caused by this disregard for regulatory standards and legal requirements.

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 2024-12-25 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: MI

Complaint narrative:
The lack of concrete evidence to support the accounts reliability and the spread of unverified information clearly violate the statutory requirements of 15 USC 1681i ( 7 ). This non-compliance is both troubling and frustrating, given the importance of following legal obligations. 

I strongly urge the immediate removal of this account under the specified regulations unless verifiable evidence is promptly provided to confirm its authenticity. Delaying resolution only worsens the frustration caused by this disregard for regulatory standards and legal requirements.

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 2024-12-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
Hello, my name is XXXX. I am writing to you because Citizen Bank of XXXX, PA in general is committing fraud against citizens. Every time you make a deposit or direct deposit, they freeze your money and tell you that they will not give it to you in 10 days because the account is under investigation without any reason. Given that, customer service is the one that makes the decision, blocking your cards so that you can not use your money. Regardless, you go to the offices and they do not force you to sign a form that states that you can not use your account 's overdraft. 

They took my money from my job and they don't want to give it back. They are supposed to give it back in 3 days if the account is closed. When you call, they say that the money is like the account is under investigation. The sheet they sent me simply says that they closed my account and that they would send me any balance online. When I call customer service, they tell me that the money will not be returned but that when they finish the investigation process, they will make the money available to the bank. I told them that the letter says something else. 

Everything they offer you when you open an account, they don't want you to use overdraft, apple wallet. 


The first office is XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 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: CITIBANK, N.A.
State: PA

Complaint narrative:
I am writing to formally address concerns regarding my account with your institution. Specifically, despite fully paying off a this account. I believe CITI CARD is violating my rights under federal consumer protection laws. The reported information is inaccurate and should be deleted for the following reasons : 1. Incorrect Balance and Past Due Amount : This account was paid in full. The balance and past-due amounts are incorrect. 2. Incorrect Payment History : The reported payment history rating does not reflect the accounts actual payment record. 3. Misclassification as a Charge-Off/Collection : This account is not a charge-off or collection. It has been fully paid and should be reported as PAID. 4. Incorrect Remarks Field : The remarks field is misleading and inaccurate. Please delete all remarks associated with this account. The continued reporting of this inaccurate information is a violation of the FACT Act and the FCRA, which mandate that credit reporting agencies ensure the maximum possible accuracy of the data they report. I am requesting that this account be reviewed and updated to reflect the following changes : I request the immediate removal of this account from all credit reporting agencies. Details of Violations 1. Fair Credit Reporting Act ( FCRA ) : CITI BANK credit card has inaccurately reported my paid charge-off as unresolved to credit reporting agencies. Additionally, the account has not been updated to accurately reflect its paid status, despite my requests to rectify the issue. 2. Consumer Financial Protection Act ( CFPA ) : Your institution has engaged in practices that may be considered unfair, deceptive, or abusive by failing to ensure accurate reporting and withholding proper resolution information. I request the immediate removal of this account from all credit reporting agencies. I am writing to formally address the tangible losses I have experienced as a direct result of the inaccuracies in my credit report. These violations have led to the denial of loans and higher interest rates, significantly impacting my financial well-being. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting statutory damages of {$1000.00} for each violation. Additionally, I am seeking compensation for monetary damages, including punitive damages, to address the harm caused by these errors.

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