vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-08 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'M DONE ASKING NICELY. I'VE SENT YOU NUMER OUS LETTERS INFORMING THERE IS INACCURATE, ERROENOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your numerous investigations and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. 

Since you CLAIM TO HAVE VERIFIED THIS ACCOUNTS BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO " DELETE '' THE ACCOUNTS Please DELETE the accounts, or inaccurate information, from my file immediately XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2024-11-08 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: FL

Complaint narrative:
Account name : XXXX XXXX XXXX, XXXX I am writing to formally dispute the late payment ( s ) reported on my credit report for my account number : XXXX. According to my records, the following late payment ( s ) were reported for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I kindly request that you provide verification of these late payments, including any documentation that proves I was late during these months. If you are unable to provide this evidence, I ask that you either update the late payment status or remove the account from my credit report entirely. Please respond to this request within 30 days, as I am committed to ensuring the accuracy of my credit report. Thank you for 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 explanation
Consumer complaint received 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded 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 2024-11-08 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-08 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: NY

Complaint narrative:
To Whom It May Concern, I strongly disagree with the response to your investigation. Despite your investigation, the incorrect items listed below still remain on my credit report. I request that these items be immediately re-investigated due to valid reasons. These inaccuracies have a significant negative impact on my credit rating. 

Additionally, in compliance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I insist on receiving actual evidence of the information being verified, rather than a computer-generated confirmation.

Please provide the following : The names and business addresses of each individual you verified the information with, so that I can follow up.

The date on which you contacted the individual information furnishers.

The method of communication used to verify the information.

I also want to know if the furnisher provided you with my SSN, address, or DOB. 

Once you have completed your investigation and made the necessary corrections, please send me an updated credit report. 

Your cooperation and prompt attention are legally required.

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 2024-11-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On or about XX/XX/year> my account frozen on Venmo with an amount of XXXX $ dollars in it. I have been back and forth with XXXX  XXXX division of Venmo which only communicates through email. Now they have stopped responding to me and will not Ill freeze my account after I have provided everything they have asked. 
There was also an unauthorized transaction for {$1500.00} made at an earlier date that I filed report with police, and they still denied my dispute and wouldnt return the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
I was a victim of fraud multiple times over the past 3 years. My personal computers that they was infected with malware used to log my account information. The bad actors then used my account for fraud. I was never given an opportunity to clear it up with the bank nor was I aware until recently. Upon discovering my ox had malware I attempted to to remove said malware effectively corrupting the harddrive I have since discarded the drive with the infected windows install. I hope to save face with early warning and XXXX and I believe it is unjust that I do not have the opportunity to give my side of the story.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Ive been a navy federal Credit union member for years and Ive always had an issue with them taken so many drafts fees from my account. This has taken a toll of my finances tremendous. Every time I would cal them they had an excuse of why they took the fees. I thing it is about time they are being held accountable for taking advantage of their customers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-08 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded 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 non-monetary relief
Consumer complaint received 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded 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 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 explanation
Consumer complaint received 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I'd like to dispute the reporting of a late payment on my credit report.I have contacted the bank regarding this late payment, and they have approved updating the account to " openor closed/never late. '' The bank has acknowledged the inaccuracy of reporting a late payment and has agreed to make the necessary changes. 
According to the Fair Credit Reporting Act, I am entitled to an accurate credit report. Therefore, I kindly request that you update these accounts to reflect that it has never been late. 
XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 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: TX

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. 

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Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Corp Solutions Inc.
State: WA

Complaint narrative:
This is my response to your letter I received on XX/XX/XXXX, regarding Fraud Denied Reference Number DT XXXX ( attached file : 1. creditCorpSolLetter ). 

I am a victim of identity theft and have been attempting for more than the past two years to remove fraudulent accounts from my credit reports. While I was outside the U.S., XXXX accounts were opened fraudulently in my name without my authorization, including the following : Account Number : XXXX Card Type : XXXX XXXX XXXX  Your letter provided XXXX reasons for rejecting my fraud claim. I would like to address each one : 1. " Cards mailed to a valid address '' Could you please clarify which address youre referring to and how it was validated? 

My known U.S. residence periods are as follows : XX/XX/XXXX XX/XX/XXXX : XXXX  XXXX, XXXX  XX/XX/XXXX XX/XX/XXXX : XXXXXXXX XXXX  XX/XX/XXXX Present : XXXX, XXXX Between XX/XX/XXXX and XX/XX/XXXX, I was not in the U.S. To substantiate this, I have attached the following documents : 2. Identity Theft Report 3. Police Report 4. I-94 Arrival/Departure Record 5. USA Visas ( proof of U.S. entry and exit ) 2. " Account activated by verified phone number '' I am unsure what this refers to, as I have only XXXX phone number, which is XXXX. For privacy reasons, I have partially hidden it here and in the documents. I kindly ask that you refrain from calling me, as this process has already taken over two years, and I am exhausted by the repeated need to prove my case. 


3. " Verified phone number contacted XXXX prior to date of fraud reporting '' I have never contacted XXXX, nor have I ever held an account with XXXX XXXX. Could you provide evidence for this claim? This process is deeply concerning and feels unjust. 

Please inform me of any additional information required through the Consumer Finance platform. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I spoke to a XXXX XXXX bank representative at XXXX ( XXXX ) XXXX. He told me that all my accounts are frozen due to my immigration status. I am a US citizen and I feel discriminated against and abused. I have been in XXXX XXXX for years. My paycheck arrives every week. Having it frozen brings bigger problems since I have to make payments every day. It is an abuse.

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 2024-11-08 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I wrote to Citi on XX/XX/year> : My CD IRA account ending with XXXX ( the complete number is curiously kept secret from me ) still is not listed among my IRA accounts on line preventing me from managing the account ending with XXXX on line. 

In their response letter with Reference BPMS XXXX they essentially stated that they will not disclose to me my own account number because it is not safe to do so, and they chose to ignore my main request which is to include the mentioned account for online access

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 2024-11-08 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:
Everything thats on my credit report is stopping me from getting a car an a house to lay my head because someone have been stealing my identity. I ask that someone please look into this. I have things in my collections thats not mine. I have looked at my TransUnion I have contacted the agency an all nothing is done.

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 2024-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
recently became aware of the Consumer Financial Protection Bureau 's ( CFPB ) action against Navy Federal for charging illegal surprise overdraft fees, resulting in a {$95.00} XXXX settlement. I have also experienced issues related to overdraft fees, such as when funds were expected to be available but weren't, leading to unexpected charges. Additionally, I received a notice about returned items due to insufficient funds and was charged {$29.00} per returned item. I would like to understand how Navy Federal plans to address situations like mine in light of the CFPB 's recent decision, and what steps are being taken to ensure customers are not unfairly penalized moving forward

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-08 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: NE

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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