vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-15 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: AZ

Complaint narrative:
To Whom it May Concern, I am writing to express my extreme frustration and utter disgust after discovering that the following company ( s ) have reported charge off ( s ) on my consumer report. 
Account Name/Account Number XXXX XXXX XXXX XXXX According to the IRS , when a debt is charged off by a creditor, it means that the creditor has given up on attempting to collect the debt and has declared it as a loss for tax purposes.

When a creditor charges off a debt, theyre required to file a 1099-C form with the IRS, which reports the amount of the canceled debt as income. This means that I may owe taxes on the charged-off amount, even though I didn't receive any money from the creditor. 
Let me be clear, the charge off ( s ) on my consumer report are a blatant violation of my consumer rights and will not be tolerated. I demand the immediate removal of these charge off ( s ) without any further delay!

I would like to remind you that the consumer law ( s ) cited below are not suggestions, but are in fact, legally binding regulations that you are required to follow.

15 USC 1681a 2 -Exclusions ( a ) ( i ) is a subsection of the Fair Credit Reporting Act that clearly states Any report containing information solely as to transactions and experiences between the consumer and the person making the report.

15 USC 6802 is a section of the United States Code that outlines the obligations of financial institutions with respect to the disclosure of personal information. 15 USC 6802 outlines the " Opt Out '' requirements for financial institutions when disclosing nonpublic personal information to nonaffiliated third parties. Financial institutions are required to clearly and conspicuously disclose to the consumer, in writing or in electronic form, that their personal information may be disclosed to third parties. The consumer must be given the opportunity to direct that their information not be disclosed and must be provided with an explanation of how they can exercise that option.

15 usc 1681b ( a ) ( 2 ) is a section of the United States Code that outlines the permissible purposes for which a consumer reporting agency may furnish a consumer report. In general, a consumer reporting agency may furnish a consumer report only under the following circumstances and no other : 1 ) The consumer must give written authorization, and I did not and will not give any creditor the right to add negative, inaccurate and injurious information to my consumer report.

It is clear that the charge off ( s ) on my consumer report are in direct violation of the laws cited above. As such, I am entitled to receive damages for this willful noncompliance. Let me be unequivocally clear, according to 15 US Code1681n, I can charge {$1000.00} for damages if you fail to remove this item immediately, as it is causing me significant harm and distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-15 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XX/XX/XXXX SS XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX TransUnion have to remove immediately the credit inquiries that I never recognize on my report that is fraud and they have to remove it ASAP. Does credit inquiries not done by me and I did not apply for none of those creditors so please remove it immediately from my credit report. 




XXXX  ( Finance ) XX/XX/XXXX XXXX ( Home shopping ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX Miscellaneous ) XX/XX/XXXXXXXX XXXX ( Bank ) XX/XX/XXXXXXXX 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 2024-09-15 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: GA

Complaint narrative:
There has been an identity theft on my Equifax credit report as someone is trying to apply for credit cards using my SSN and other info without my consent. There seems to be unauthorized hard enquiry with the name XXXX XXXX on XX/XX/2024

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-15 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: NV

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

The following accounts : 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 has violated my rights .

I looked at my Equifax credit report on XXXXXXXX XXXX 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 ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 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. and according to 15 USC 1681s-2 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-15 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: SC

Complaint narrative:
I have identified several discrepancies in how the following accounts are being reported on my credit report across multiple credit bureaus. These discrepancies violate fair credit reporting practices as outlined by the Fair Credit Reporting Act ( FCRA ), and I request an immediate investigation and correction of these issues. 

For XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : There was no notice of dispute, violating FCRA Section 623 ( a ) ( 3 ), which requires a notice of dispute to be communicated when an account is disputed by the consumer.

The payment history is inconsistent across the three credit bureaus, violating FCRA Section 607 ( b ), which mandates that credit reporting agencies follow reasonable procedures to ensure maximum possible accuracy of the information reported.

The account has been re-aged, with inconsistent late payment dates across XXXX, TransUnion, and XXXX, violating FCRA Section 605 ( c ), which sets limits on the re-aging of accounts and the time frame in which negative information can be reported. 
For XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : The account has been re-aged, violating FCRA Section 605 ( c ), which restricts the re-aging of accounts.

There are inconsistencies in the payment history across the credit bureaus, violating FCRA Section 607 ( b ). 
The credit limit and high credit amounts reported vary across XXXX, TransUnion, and XXXX, also violating FCRA Section 607 ( b ) regarding accuracy of information. 
For XXXX XXXX XXXX XXXX XXXX XXXX : There was no notice of dispute for TransUnion and XXXX, in violation of FCRA Section 623 ( a ) ( 3 ).

I request that the CFPB investigate these reporting discrepancies and work with the credit bureaus and furnishers to correct the inaccuracies. I also ask for re-investigation of the accounts, proper notification of disputes to all three credit bureaus, and an update of the payment history, credit limit, and high credit balance to accurately reflect my account history. 

Please find attached copies of my credit reports from XXXX, TransUnion, and XXXX highlighting the discrepancies, as well as any correspondence related to disputes Ive filed directly with the credit bureaus and creditors.

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 2024-09-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
My PayPal account has been " We're permanently limiting your account. '' On Wednesday, XX/XX/XXXX, I woke up with an email from PayPal saying that a new email had been added to my account : XXXX. 

Of course, I didn't recognize this email address, and I didn't make any changes to my account. When I got into my account, there was a new phone number that I again didn't recognize. I changed the email address and phone number back to my email address and phone number and changed my password. I figured I got hacked. 

Then I get an email from Paypal saying my PayPal account has been deactivated. 
I sent an email to PayPal 's phishing address, but I never received a response. So, what's going on? 

PayPal Customer Support : This isn't my problem, though. It's PayPal 's problem that you allowed my account to be hacked due to PayPal 's lack of proper security measures. Moreover, I can no longer get access to my PayPal XXXX or my PayPal XXXX XXXX balances or monthly statements. You do realize this, right? I did not violate any terms or conditions of the User Agreement, but PayPal appears to have. Your response is totally unacceptable. 

PayPal continues to send the same boilerplate/canned response, informing me to refer to their XXXX User Agreement. Without specifying what part of the User Agreement I allegedly violated, it's impossible to determine such an alleged violation. 

Finally, PayPal violates the Truth in Lending Act ( TILA ) and the Fair Credit Billing Act

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-15 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: FL

Complaint narrative:
In accordance with the fair credit reporting act, the list of accounts below has violated my federally protected consumer rioghts and confidentiality under 15-USC1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX I looked at my XXXX credit report XX/XX/year> and noticed some things that are incomplete and not accurate. In accordance with 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 in accordance to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general, after any investigation 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 15 USC 1681s-2 they are supposed 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 innacurate.

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 2024-09-15 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:
In accordance with the fair credit reporting act, the list of accounts below has violated my federally protected consumer rioghts and confidentiality under 15-USC1681 : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX I looked at my Experian credit report XX/XX/year> and noticed some things that are incomplete and not accurate. In accordance with 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 in accordance to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general, after any investigation 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 15 USC 1681s-2 they are supposed 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 innacurate.

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 2024-09-15 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: CA

Complaint narrative:
After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiry on my credit report.Please dispute and remove listed fraudulent inquiry from my credit report XXXX XXXX XX/XX/year> 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 2024-09-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.

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 2024-09-15 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
To Whom It May Concern : I am writing regarding a Certificate of Deposit ( CD ) account that matured and came due for renewal. Upon opening the CD, I was informed by the account representative at the branch that I would receive both an email notification and a phone call from the branch when my CD matured. The representative further explained that by applying for online statements, I would also receive a renewal notification, and I followed the necessary steps. 

Unfortunately, when my CD matured, I did not receive any email or phone call notification. I checked my junk mail and found no correspondence. When I raised this issue with my local branch manager, I was told that email notifications were sent, but there was no proof provided. 

The new interest rate that my CD rolled over into was significantly lower than the new term rates the bank was offering at the time. When I attempted to open a new CD at the higher rate, I was informed that there would be a {$50.00} penalty, in addition to the loss of interest. The only reason I sought to open a new CD was because I was not notified, as promised, and was losing money with the lower interest rate. 

After speaking with multiple representatives at Citizens Bank, I was left without a choice but to close my CD, despite my request for the XXXX penalty to be waived due to the lack of notification. My request was escalated, but no resolution was offered. 

I find it deeply concerning that, as a consumer, I was penalized in this manner due to the banks failure to fulfill its commitment to notify me about the CD maturity. At a minimum, I request that the XXXX penalty be refunded, as I believe this situation was handled in an unfair and unethical manner. 

I have also filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding this matter, as I am concerned that other customers may be experiencing similar issues. 

Thank you for your attention to this matter. I hope that someone at a higher level can assist me in resolving this issue. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX To Whom It May Concern, I recently received a copy of my TRANSUNION credit report, and I noticed some late payments posted on my credit report : I HAVE NEVER BEEN LATE ON THESE ACCOUNT Accounts : XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX I was never late on these accounts. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this, please DELETE this alleged late payment from my credit report per 15 USC 1681b.

Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorly with deletion of the above referenced account, and send out a free copy 709 ) of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : XXXX. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud Thank you 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 2024-09-16 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: FL

Complaint narrative:
I found some fraudulent inquiries on my credit report and I asked them to investigate this and they haven't done anything yet.

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 2024-09-15 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: AL

Complaint narrative:
I notice my Consumer Report that there's several of Hard Inquiries that I don't know and did not give premission for them to pull my credit. According too 15 US CODE 1681 they're to report records and promote accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies.

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