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 information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
This letter serves as a formal notice under the Fair Debt Collection Practices Act ( FDCPA ) and specifically 15 U.S.C. 1692c ( c ), requiring you to cease all communication with me regarding the alleged debt associated with the account. In the amount of {$820.00} As stated under 15 U.S.C. 1692c ( c ), once you receive this written notice, you are legally obligated to stop all communication with me concerning this matter, except to : Notify me that your further collection efforts have been terminated ; Inform me of any specified remedies that may be invoked by you or the original creditor ; or Notify me of your intent to invoke a specified remedy. 
Furthermore, I am formally notifying you that I consider any updates to my credit report as a form of indirect communication regarding this account. If you continue to report, update, or otherwise communicate through credit reporting agencies, I will consider this a violation of the FDCPA. 

If this account is in dispute, I reserve the right to validate or challenge its accuracy, and I expect all collection activity to be suspended as per applicable laws. Any further communication with me outside the outlined exceptions or continued reporting on my credit report will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and legal action if necessary. 

Please confirm in writing within 14 days of receiving this letter that you have complied with my request to cease all communication and activity related to this account. 

You may only contact me to provide the requested confirmation or if legally required to inform me of one of the exceptions noted above. 

Sincerely, 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 2024-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
This letter serves as a formal notice under the Fair Debt Collection Practices Act ( FDCPA ) and specifically 15 U.S.C. 1692c ( c ), requiring you to cease all communication with me regarding the alleged debt associated with the account. In the amount of {$820.00} As stated under 15 U.S.C. 1692c ( c ), once you receive this written notice, you are legally obligated to stop all communication with me concerning this matter, except to : Notify me that your further collection efforts have been terminated ; Inform me of any specified remedies that may be invoked by you or the original creditor ; or Notify me of your intent to invoke a specified remedy. 
Furthermore, I am formally notifying you that I consider any updates to my credit report as a form of indirect communication regarding this account. If you continue to report, update, or otherwise communicate through credit reporting agencies, I will consider this a violation of the FDCPA. 

If this account is in dispute, I reserve the right to validate or challenge its accuracy, and I expect all collection activity to be suspended as per applicable laws. Any further communication with me outside the outlined exceptions or continued reporting on my credit report will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and legal action if necessary. 

Please confirm in writing within 14 days of receiving this letter that you have complied with my request to cease all communication and activity related to this account. 

You may only contact me to provide the requested confirmation or if legally required to inform me of one of the exceptions noted above. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

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: Mobiloans, LLC
State: TN

Complaint narrative:
Charge Off account.. yet still showing a balance on credit report.

Company response to consumer: Untimely response
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: EQUIFAX, INC.
State: OH

Complaint narrative:
I have previously filed a complaint with the FTC regarding these negative accounts, but they are still present. It has been a while since I took action, and there has been no resolution so far. Additionally, I received a letter from the credit bureaus stating that I am not responsible for sending the letter to them, which is incorrect. I am the one who should send my letter.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My credit information was included in a data breach.

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: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: IL

Complaint narrative:
In XXXX I called to have OD fees refunded. I was told I was not eligible, but I have not had fees refunded ever, I am pretty sure. I was told the fees are system based per Reg XXXX. 
XXXX  XXXX XXXX US Bank XXXX XXXX XXXX and brought up how their OD fees were charged. When a purchase was made, the funds were held. If other items posted and caused a negative balance because of held funds, OD fees were charged. 
Also, if I am opted out, and a reoccuring, preauthorized charge posts to my account, I am still charged an OD fee. The bank states reoccurring charges are not covered by opt in/opt out, but they are, and I should not be being charged a fee.

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: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
Ive received the following email from someone impersonating PayPal service. 
The following was the message seeking my financial information to track and steal my money! 

Wallet address : XXXX You can track the progress of your shipment by visiting the PayPal website and entering your tracking number. Here is the link to track your package : tracking. 

If you have any questions or encounter any issues with tracking your package, please contact our customer service team at XXXX. 
Thank you once again for choosing PayPal. We appreciate your business and hope you enjoy your purchase! 

Appreciatively 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an account opened with XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX with a charge off balance of {$290.00}, and an closed account with XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my FICO consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard Inquires are the result or identity theft and fraud.

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: MS

Complaint narrative:
I am writing to formally request that you cease all collection activities, including phone calls, emails, and letters, regarding the above-referenced account. This request is made pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ).

It is my understanding that [ provide reasoning : e.g., " the debt reported by your agency is inaccurate, '' " this debt has already been paid, '' or " I do not recognize this debt '' ]. As such, I am disputing the validity of this account. 

I request the following information : Proof that I owe the stated amount of {$630.00} to your agency. 
Verification of the original agreement between me and the original creditor, XXXX XXXX XXXX 
If you can not provide sufficient proof of the debt 's validity, you are required to delete any adverse reporting regarding this account from my credit file immediately. Additionally, I request no further contact from your agency aside from legally required written communications regarding this matter. 

Failure to comply with this request will leave me with no choice but to file a complaint with the Consumer Financial Protection Bureau ( CFPB ), my state 's attorney generals office, and possibly pursue legal action. 

Please send any written correspondence regarding this matter to my address listed above. 

Thank you for your prompt attention to this request. 

Sincerely, 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 2024-12-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I opened a savings account online, and after completing the account setup, I mailed a check on XXXX XXXX, XXXX, along with a letter of instruction to deposit the funds into the newly opened account. The check was written to me by XXXX XXXX XXXX XXXX After the check was deposited, I contacted the bank and was informed that the check would be held until XXXX XXXX, XXXX. 

On XXXX XXXX, XXXX, my account showed an available balance of ** $ XXXX, which reflected the full amount of the check. However, when I attempted to transfer funds from my account, I received the following message : * '' You can't make transfers at this time. Your account functionality is limited. Please call XXXX. " * I called the number provided and spoke with a customer service agent. After asking me a few questions, the agent placed me on hold. When they returned, the agent informed me that my account had been closed. When I asked when the account was closed, the agent stated that it was closed that very day. 

I then inquired about the funds remaining in the account. The agent told me that a check would be mailed to XXXX XXXX XXXX XXXX I expressed my confusion, stating that I had been the one who mailed the check, and it did not make sense to return it to XXXX  XXXX XXXX. The agent could not provide any further explanation, but mentioned that the account was closed for *business reasons* and offered no additional details. 

This situation has caused significant hardship for me. The funds in that account represented my entire savings, and I am now unable to pay my rent and other bills. I feel as though I am being treated unfairly and without proper explanation, and this has caused considerable distress. 

I am seeking clarification and resolution of this matter as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I have tried to use my AMEX card in several retailers and it only ever declines.

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: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
i been trying to contact Experian by way of signing in on line and by way of support phone calls to remove consumer statement from my report and it is impossible to do so i have attached the document of this issue with Experian. 

please remove any consumer statement made by be immediately

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: OH

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX  XXXX XXXX  XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX  XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 — Old information reappears or never goes away
Company: ROAD Auto Finance, LLC
State: GA

Complaint narrative:
Older Accounts that are stilll there Closed accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Few months back -- I did not recognized all the charges to my Home Depot card. I called Citi Bank the one issue this Home Depot card to tell them those are not my and I am not aware it or authorized any one to use it. The bank took those charge off my account, but around a month later there is a agent from Citi Bank asked me that I give my card to any one. I responded that I have two credit cards -- I give the one with XXXX to my son who lived in XXXX  for emergency case. I did not know why it translate to this agent to I give out my Home Depot card. After that I had been calling numerous times to the bank to fix the issue, but no response.Then certainly my Best Buy store card got charge $ XXXX something. This time I think the bank fabricated these charge or someone charged. I told the bank agent that I stop use this store card for a while and I had $ XXXX credit on this card. Nothing resolve just run around this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
I purchased car in XXXX  the car should be done paying for the loan company keeps adding fees every time I pay bill

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: TAYLOR MORRISON HOME FUNDING, INC.
State: GA

Complaint narrative:
I requested to remove XXXX XXXX XXXX which was mentioned as Optional on my CD. But the Lender/Closing attorney mandated me to buy it in order to proceed with closing and that too exclusively from them. 
I mentioned it says optional but XXXXXXXX XXXX XXXXXXXX refused to remove. It looks like they inserted some clause in the purchase agreement stating I have to buy from them. 

I had reached out to XXXXXXXX XXXX XXXXXXXX XXXX on XX/XX/year> when initial CD was provided. I was told, Owner 's title policy ( optional ) can not be removed and charged {$1500.00}.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
As of XX/XX/24 I've noticed that TransUnion has not legally conducted its investigation of my several disputes against them in violation of FCRA and 15 USC 1681i and 15 USC 1681s-2 TransUnion must conduct all of its investigations into disputed accounts by executing reasonable procedures and sufficient examination of the evidence. and of course remember that the consumer is not required to verify information in the 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 2024-12-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
I do not have a contract with PORTFOLIO RECOVERY agency I did not sign a contract with my signature I would like for this account to be removed from my credit due to it's not correct.

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 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 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 non-monetary relief