vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-10-17 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: MA

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
There's a public record that is inaccurately reporting on my credit report so please check the documents I've sent.

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 2024-10-17 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: IL

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 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: CA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-17 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: CA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to 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 2024-10-17 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: MA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-17 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: MI

Complaint narrative:
I was shocked to see incorrect accounts on my credit report this morning, and I have no clue how they got there. I always check my credit report regularly, but this time, there were errors that appeared out of the blue. I even tried refreshing my browser, thinking it was just a glitch, but the incorrect accounts stayed. Im deeply concerned and am requesting that the documents I sent be reviewed thoroughly, so I can have peace of mind and not worry about this ever again.

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 2024-10-17 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: IL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2024-10-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I disputed a charge on my debit card of XXXX for not getting my product delivered to my house by XX/XX/year> i paid extra for that date on XX/XX/year> i put the dispute in with bank of america they said i would get a credit after XXXX business days i did not.Even i fax them cancel order no refund.

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 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I had a TD business credit card for a small business I owned. In XXXXXXXX XXXX XXXX I closed the card and had a XXXX balance. Several months later there was a charge allowed to be made on that card by TD Bank. The account was no longer open at the time the charge was made. I no longer had access to the account. I contacted TD Bank several times and had to drill down through automated systems to get to an actual person, and then after many conversations being switched to other people in their system I finally agreed to pay the balance to avoid getting a blemish on my credit report. But they reported this to the credit bureaus anyway. This is a very bad practice allowing a charge to be made on a credit card that was closed. They should have refused the charge and it would have been up to the company trying to make the charge to contact me for another means of payment. If the card had expired, TD Bank would not have let the charge go through, so how is this any different.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 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: GA

Complaint narrative:
I am filing a formal complaint against Experian, XXXX, and XXXX for violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), as well as breach of contract and deceptive practices. Despite having accounts with these credit bureaus and being promised daily updates to my credit reports and scores, my reports have been deliberately hindered for over 30 days. The bureaus have allowed inaccurate, outdated, and derogatory informationsuch as collections, fraudulent statements, and erroneous payment historiesto remain on my credit reports, which has severely damaged my creditworthiness. Despite multiple formal disputes, the bureaus have failed to correct or update this harmful information, in violation of the FCRA. 

Furthermore, my formal requests for verbal and written communication regarding these disputes have been ignored. Instead, I have been met with malicious tactics intended to delay compliance and avoid accountability. This stalling appears to be an effort to negate their responsibility under the FCRA and FDCPA. I have attempted to resolve these issues in good faith, including proposing arbitration as outlined in my contracts with the credit bureaus. However, their refusal to engage in meaningful communication has left me with no choice but to pursue litigation if this matter is not resolved as required by law. 

I am demanding immediate correction of all inaccuracies, as well as fair compensation for the harm caused, calculated based on each infractions duration and severity. Additionally, I seek damages for the emotional distress and financial injury resulting from their negligence and refusal to act. If these issues are not addressed promptly, I will have no option but to pursue legal action to protect my rights.

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 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: LEXISNEXIS
State: FL

Complaint narrative:
I received a letter from my Florida homeowner 's insurance carrier, XXXX XXXX XXXX, dated XX/XX/year>, that my insurance premium would be adversely affected due to a consumer report provided by LexisNexis. I contacted LexisNexis by telephone on XX/XX/year>, and requested that the consumer report be mailed to me, so I can inspect the report for accuracy. I received the consumer report on XX/XX/year>. Upon inspecting the report, I noticed that my XXXX  credit card, from XXXX  XXXX XXXX ( also known as XXXX XXXX XXXX XXXX XXXX ) in XXXX, Florida, that I have held for 26 years, was missing from the report. I also observed on the report that only credit information from XXXX was used, and not from XXXX or XXXX. I contacted LexisNexis by phone on XX/XX/year>, and inquired about the missing credit card information. I was told that the credit card would need to be reported by XXXX, to be considered for the consumer report. I contacted XXXX by phone and was told that XXXX  XXXX XXXX must report the credit card information to them. I then contacted XXXX  XXXX XXXX and was told they only report credit information to XXXX. So, the issue is, as I see it, because LexisNexis does not consider all three credit reporting agencies when preparing a consumer report, they miss important information that would be beneficial to the consumer. To complicate matters, I have ordered my credit reports from all three credit reporting agencies be frozen, as my social security number was affected by the recent national data breach. I will probably need to be notified to unfreeze my credit reports for LexisNexis to access them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 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: NY

Complaint narrative:
My name is XXXX XXXX. I opened a PayPal account with the PayPal financial company. However, PayPal permanently blocked my account, and my funds were trapped inside. PayPal 's policy is to allow the withdrawal of my funds after 180 days. It's been over 250 days, and PayPal keeps denying my right to withdraw my funds. 

All efforts with customer service proofs have been abortive. My PayPal email is [ XXXX ], and the amount held is {$660.00}. Paypal should allow me to withdraw to my credit card which is already linked to the account. They need to stop the fraud on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 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:
I am filing a formal complaint against XXXX, XXXX, and TransUnion for violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), as well as breach of contract and deceptive practices. Despite having accounts with these credit bureaus and being promised daily updates to my credit reports and scores, my reports have been deliberately hindered for over 30 days. The bureaus have allowed inaccurate, outdated, and derogatory informationsuch as collections, fraudulent statements, and erroneous payment historiesto remain on my credit reports, which has severely damaged my creditworthiness. Despite multiple formal disputes, the bureaus have failed to correct or update this harmful information, in violation of the FCRA. 

Furthermore, my formal requests for verbal and written communication regarding these disputes have been ignored. Instead, I have been met with malicious tactics intended to delay compliance and avoid accountability. This stalling appears to be an effort to negate their responsibility under the FCRA and FDCPA. I have attempted to resolve these issues in good faith, including proposing arbitration as outlined in my contracts with the credit bureaus. However, their refusal to engage in meaningful communication has left me with no choice but to pursue litigation if this matter is not resolved as required by law. 

I am demanding immediate correction of all inaccuracies, as well as fair compensation for the harm caused, calculated based on each infractions duration and severity. Additionally, I seek damages for the emotional distress and financial injury resulting from their negligence and refusal to act. If these issues are not addressed promptly, I will have no option but to pursue legal action to protect my rights.

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 2024-10-17 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: GA

Complaint narrative:
I am filing a formal complaint against XXXX, Equifax, and XXXX for violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), as well as breach of contract and deceptive practices. Despite having accounts with these credit bureaus and being promised daily updates to my credit reports and scores, my reports have been deliberately hindered for over 30 days. The bureaus have allowed inaccurate, outdated, and derogatory informationsuch as collections, fraudulent statements, and erroneous payment historiesto remain on my credit reports, which has severely damaged my creditworthiness. Despite multiple formal disputes, the bureaus have failed to correct or update this harmful information, in violation of the FCRA. 

Furthermore, my formal requests for verbal and written communication regarding these disputes have been ignored. Instead, I have been met with malicious tactics intended to delay compliance and avoid accountability. This stalling appears to be an effort to negate their responsibility under the FCRA and FDCPA. I have attempted to resolve these issues in good faith, including proposing arbitration as outlined in my contracts with the credit bureaus. However, their refusal to engage in meaningful communication has left me with no choice but to pursue litigation if this matter is not resolved as required by law. 

I am demanding immediate correction of all inaccuracies, as well as fair compensation for the harm caused, calculated based on each infractions duration and severity. Additionally, I seek damages for the emotional distress and financial injury resulting from their negligence and refusal to act. If these issues are not addressed promptly, I will have no option but to pursue legal action to protect my rights.

Company response to consumer: Closed with explanation