vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-16 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:
I am writing to dispute the inaccurate and inconsistent information reported across all three major credit reporting agenciesXXXX, Experian, and XXXXregarding one of my accounts. These discrepancies include conflicting account balances, payment histories, and account statuses. 
According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the accuracy and consistency of the information they report ( 15 U.S.C. 1681e ( b ) ). Given the significant inaccuracies and inconsistencies in the reporting of this account, I request that the account in question be thoroughly investigated and subsequently deleted 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 explanation
Consumer complaint received 2024-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
From the info used about the {$1000.00} credit limit my income is SSI snd a ssi limit can not be used to pay a debt or be taxed per the XXXX  ssa act the debtvhas to waived.

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 2024-06-16 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: GA

Complaint narrative:
Upon checking my credit report, I found a fraudulent account for {$58.00} from A creditor XXXX XXXX XXXX I called the company. The original creditor is XXXX cable I am a current customer of XXXX with a XXXX balance. I have no idea why they continuously. Keep putting the same fraudulent account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-16 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: NY

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report, please remove these accounts from my report they are hurting my ability to obtain credit.

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 2024-06-16 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: MI

Complaint narrative:
I am writing to dispute the inaccurate and inconsistent information reported across all three major credit reporting agenciesEquifax, XXXX, and XXXXregarding one of my accounts. These discrepancies include conflicting account balances, payment histories, and account statuses. 
According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the accuracy and consistency of the information they report ( 15 U.S.C. 1681e ( b ) ). Given the significant inaccuracies and inconsistencies in the reporting of this account, I request that the account in question be thoroughly investigated and subsequently deleted from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-16 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: NY

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report, please remove these accounts from my report they are hurting my ability to obtain credit.

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 2024-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report, please remove these accounts from my report they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CCF Intermediate Holdings LLC
State: CA

Complaint narrative:
Well I applied for a loan. I am not sure when I applied. I was contacted and my loan was approved. Now he is telling me before I get the loan I need to boost my credit score. I am wired funds into my checking account and I am told to purchase gift cards. In this case XXXX XXXX XXXXXXXX XXXX I did this twice. The money sent to my account posts when the person does this he calls and tells me in order for me to get this boost on my credit score and to complete the application fulfillment I need to make these purchases. I attempted to text this person with my concerns and he texted me back threatening me with blacklisting and defrauding the company and having a warrant issued and jailing me. I am afraid and its always him depositing more money in my account to purchase gift cards. I have asked him about the concerns that I am having and he then tells me its government funds. And that everything is legitimate. I dont know what to do at this point. Please I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-16 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:
I am writing to formally dispute the inaccurate information regarding one of my credit accounts that is being reported inconsistently across the three major credit reporting agencies : XXXX, Experian, and XXXX. Specifically, the discrepancies pertain to : * The date the account was opened * The last reported date * The date the account was last active These discrepancies are causing significant confusion and are impacting my creditworthiness. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain the accuracy and integrity of the information they report ( 15 U.S.C. 1681e ( b ) ). 
The FCRA also mandates that any information that can not be verified as accurate must be removed from the consumer 's credit file ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ). Given the inconsistent and incorrect reporting of the aforementioned dates, I request that this account be thoroughly investigated. If the inaccuracies can not be verified and corrected, I demand that the account be deleted from my credit report to comply with the FCRA 's 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 explanation
Consumer complaint received 2024-06-16 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:
I am writing to formally dispute the inaccurate information regarding one of my credit accounts that is being reported inconsistently across the three major credit reporting agencies : XXXX, XXXX, and TransUnion. Specifically, the discrepancies pertain to : * The date the account was opened * The last reported date * The date the account was last active These discrepancies are causing significant confusion and are impacting my creditworthiness. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain the accuracy and integrity of the information they report ( 15 U.S.C. 1681e ( b ) ).

The FCRA also mandates that any information that can not be verified as accurate must be removed from the consumer 's credit file ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ). Given the inconsistent and incorrect reporting of the aforementioned dates, I request that this account be thoroughly investigated. If the inaccuracies can not be verified and corrected, I demand that the account be deleted from my credit report to comply with the FCRA 's 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 2024-06-16 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: MI

Complaint narrative:
I am writing to formally dispute the inaccurate information regarding one of my credit accounts that is being reported inconsistently across the three major credit reporting agencies : Equifax, XXXX, and XXXX. Specifically, the discrepancies pertain to : * The date the account was opened * The last reported date * The date the account was last active These discrepancies are causing significant confusion and are impacting my creditworthiness. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain the accuracy and integrity of the information they report ( 15 U.S.C. 1681e ( b ) ).

The FCRA also mandates that any information that can not be verified as accurate must be removed from the consumer 's credit file ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ). Given the inconsistent and incorrect reporting of the aforementioned dates, I request that this account be thoroughly investigated. If the inaccuracies can not be verified and corrected, I demand that the account be deleted from my credit report to comply with the FCRA 's requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
PayPal and venmo ( Respondent ) has violated Section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ) ; the Privacy of Consumer Financial Information ( Privacy Rule ), 16 C.F.R. Part 313, recodified at 12 C.F.R. Part 1016 ( Reg. P ), and issued pursuant to the Gramm-Leach- Bliley Act ( GLB Act ), 15 U.S.C. 6801-6803 ; and the Standards for Safeguarding Customer Information Rule ( Safeguards Rule ), 16 C.F.R. Part 314, issued pursuant to Sections 501 ( b ) and 505 ( b ) ( 2 ) of the GLB Act, 15 U.S.C. 6801 ( b ), 6805 ( b ) ( 2 ) ; and it appearing to the Commission that this proceeding is in the public interest, alleges : 1. Respondent PayPal , Inc. is a Delaware corporation with its principal place of business at XXXX XXXX XXXX XXXX, XXXX XXXX, California XXXX. 
2. Respondent operates Venmo, a payment and social networking application and website that allows consumers to make peer-to-peer payments and to share information regarding such payments through a social network feed.

3. The acts and practices of Respondent alleged in this complaint have been in or affecting commerce, as commerce is defined in Section 4 of the FTC Act.

VENMOS BUSINESS PRACTICES Background on the Venmo Peer-to-Peer Payment System 4. Venmo has offered its peer-to-peer payment service to consumers since XXXX. 
The service was previously provided by a Delaware corporation of the same name, and, since an acquisition in XXXX, has been provided by Respondent operating as Venmo. 
5. Consumers can download the Venmo application ( the app ) onto their mobile devices and use Venmo through its website, Venmo.com. Consumers create a Venmo account to which they may connect external bank accounts, debit cards, or credit cards. Sunday XX/XX/XXXX $ and at least 20 more transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: WA

Complaint narrative:
I paid of my students loans to MOHELA, they transitioned their online services but did not credit the {$7300.00} XXXX paid them before they transitioned their service. I had received an email indicating that I have paid in full. When I log into their new web account, my balance is still showing that I need to pay them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-16 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: NY

Complaint narrative:
I as of late i checked my credit report and saw I had fraudulent Accounts on my credit report, please eliminate these records from my credit report they are harming my ability to get credit.

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 2024-06-16 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:
I am writing to file a complaint concerning multiple unauthorized inquiries on my credit report, with the exception of those made by XXXX XXXX. Upon reviewing my recent credit reports from XXXX, XXXX, and TransUnion, I noticed several inquiries that I did not authorize. These unauthorized inquiries are negatively impacting my credit score and overall creditworthiness. 
Under the Fair Credit Reporting Act ( FCRA ), consumers are protected against unauthorized access to their credit information ( 15 U.S.C. 1681b ). According to the FCRA, only entities with a permissible purpose should have access to my credit report. The presence of these unauthorized inquiries indicates a potential breach of my rights under this law. 
I request an immediate investigation into these unauthorized inquiries. I expect that any inquiry that can not be verified as authorized be promptly removed from my credit report. This corrective action is necessary to ensure the accuracy and integrity of my credit information as mandated by the FCRA ( 15 U.S.C. 1681e ( b ) ). 
For your reference, I have attached copies of my credit reports highlighting the unauthorized inquiries

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 2024-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am writing to file a complaint concerning multiple unauthorized inquiries on my credit report, with the exception of those made by XXXX XXXX. Upon reviewing my recent credit reports from XXXX, Experian, and XXXX, I noticed several inquiries that I did not authorize. These unauthorized inquiries are negatively impacting my credit score and overall creditworthiness.

Under the Fair Credit Reporting Act ( FCRA ), consumers are protected against unauthorized access to their credit information ( 15 U.S.C. 1681b ). According to the FCRA, only entities with a permissible purpose should have access to my credit report. The presence of these unauthorized inquiries indicates a potential breach of my rights under this law. 
I request an immediate investigation into these unauthorized inquiries. I expect that any inquiry that can not be verified as authorized be promptly removed from my credit report. This corrective action is necessary to ensure the accuracy and integrity of my credit information as mandated by the FCRA ( 15 U.S.C. 1681e ( b ) ).

For your reference, I have attached copies of my credit reports highlighting the unauthorized inquiries

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 2024-06-16 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I made a payment to Citibank , N.A . for my XXXX account in the amount of {$29.00} on XX/XX/year>. I made it early, and on the first day that my statement cycled. Under no circumstances does it say anywhere that you can not pay TOO EARLY, or that you would get penalized for that. Well, they did NOT COUNT my payment for my minimum payment, and have now charged me a late fee, and are making me pay a double payment plus some because of this! This is not fair! I want the late fee waived, the payment reduced to just one payment owed for XXXX, and the XX/XX/XXXX payment to count for the XXXX payment. I also want them to show where it states that a payment too early in the cycle will not count for the minimum payment.

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 monetary relief
Consumer complaint received 2024-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am writing to file a complaint concerning multiple unauthorized inquiries on my credit report, with the exception of those made by XXXX XXXX. Upon reviewing my recent credit reports from Equifax, XXXX, and XXXX, I noticed several inquiries that I did not authorize. These unauthorized inquiries are negatively impacting my credit score and overall creditworthiness. 
Under the Fair Credit Reporting Act ( FCRA ), consumers are protected against unauthorized access to their credit information ( 15 U.S.C. 1681b ). According to the FCRA, only entities with a permissible purpose should have access to my credit report. The presence of these unauthorized inquiries indicates a potential breach of my rights under this law. 
I request an immediate investigation into these unauthorized inquiries. I expect that any inquiry that can not be verified as authorized be promptly removed from my credit report. This corrective action is necessary to ensure the accuracy and integrity of my credit information as mandated by the FCRA ( 15 U.S.C. 1681e ( b ) ). 
For your reference, I have attached copies of my credit reports highlighting the unauthorized inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-16 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 recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2024-06-16 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 recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2024-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

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 2024-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

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