vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 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: TN

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/XXXX Subject : Request for Description of Investigation Process - Disputed Accounts on my Credit Report Dear CFPB, I am writing to formally dispute the reporting of late payments associated with the above-referenced account on my credit report. Upon reviewing my credit reports from TransUnion, XXXX, and XXXX, I identified discrepancies that are both inaccurate and harmful to my credit standing. The late payments reported are not reflective of my actual payment history. Specifically : TransUnion and XXXX reported XXXX XXXX late payments for XXXX, XXXX, and XX/XX/XXXX, while XXXX shows XXXX reported late payments for this account. 
XXXX removed XXXX late payment upon a previous dispute, and XXXX has now updated the account to reflect " none reported. '' Reason for Dispute : The reported late payments for XXXX, XXXX, and XX/XX/XXXX do not align with my records. Based on my financial documentation and bank statements, all payments for this account were made on time and as agreed. 
Violation of the FCRA : Pursuant to the Fair Credit Reporting Act ( FCRA ) : 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) : Consumer reports must not contain inaccurate information about transactions or experiences.

15 USC 1681i ( a ) ( 7 ) : Upon request, you are required to provide a detailed description of the procedures used in your investigation of the disputed information. 
Action Requested : Investigate this account and update all late payments for XXXX, XXXX, and XX/XX/XXXX to reflect a status of Paid As Agreed, Never Late. 
Provide a description of the investigation process and evidence used to verify the accuracy of the reported information. 
Remove any negative notations associated with the late payments on this account. 
If you can not verify the late payments, please provide the procedures and evidence used for the verification. Failure to provide this information within the legally mandated timeframe will be considered a violation of the FCRA, the Consumer Protection Act, and the Truth in Lending Act. 
I expect a written response within 30 days from the receipt of this letter. Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 explanation
Consumer complaint received 2024-12-05 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: GA

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: VA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: TX

Complaint narrative:
There are XXXX hard inquiries on my credit report that are not done by me. Please help me to remove these fraud inquiries from my credit report.The inquiries are the folowings XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 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:
There are XXXX hard inquiries on my credit report that are not done by me. Please help me to remove these fraud inquiries from my credit report.The inquiries are the folowings XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: LA

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal 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 non-monetary relief
Consumer complaint received 2024-12-05 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: LA

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal 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 2024-12-05 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: TX

Complaint narrative:
I strongly insist on the removal of this late payment from my account, as it inaccurately reflects my payment history. I have consistently maintained timely payments, and it is unfair to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 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: TX

Complaint narrative:
I strongly insist on the removal of this late payment from my account, as it inaccurately reflects my payment history. I have consistently maintained timely payments, and it is unfair to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Opt Out Request : Submitted XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DOB : XX/XX/XXXX Consumer Privacy Report Request : Submitted XX/XX/XXXX Please note : AS OF XX/XX/XXXX an active FRAUD ALERT was placed on my TRANSUNION credit profile. Opt out should be effective from XX/XX/XXXX. 

Please Note : AS OF XX/XX/XXXX an active FRAUD ALERT was placed on my XXXX XXXX credit profile. See attached. 

Please note : AS OF XX/XX/XXXX an active FRAUD ALERT was placed on my Transunion credit profile and access to CREDIT FRESH, IS NOT-PERMITTED, AS THESE ACCOUNTS ARE CLOSED AND PAID - NOT-REAFFIRMED AND INCLUDED IN XXXX CHAPTER XXXX DISCHARGE. See attached. 

I have collected evidence that demonstrates the fraudulent activity of CREDIT FRESH. Any parties found to be engaging in attempts to prevent, conceal, redact, and/or destroy evidence will be prosecuted for their complicity in the crimes. 

Please find the attached Transunion XXXX XXXX information. Under FCRA guidelines I am entitled to the names, dates, addresses as well as all information related to the sale and distribution of my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
After my first direct deposit for my job, this company stole my money and freeze my account! For no reason at that! Gave them all the information they needed, and they still have my account locked up! With my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: MI

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 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: MI

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 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: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and XXXX asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Dave Operating, LLC
State: MI

Complaint narrative:
Suspicious activity charged {$96.00} to account by transferring funds to a new debit card. Issue was confirmed an error and refunded... account has been unaccessible since. Error found approximately XX/XX/year>. No response to emails, unable to speak with a live representative

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: FL

Complaint narrative:
I filed XXXX disputes that XXXX account has been satisfied with proof

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
On XX/XX/year>, through XXXX XXXX Mail with Return Receipt, I mailed XXXX a Negotiable Instrument as Tender of Payment by way of a United States XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the amount {$9000.00} ( XXXX XXXX dollars and XXXX cents ) with a written provision for Valuable Consideration and Accord and Satisfaction of the alleged debt upon redeeming my Instrument ( tracking number XXXX ; delivered and signed for on XX/XX/year> ). 

My husband ( spouse ), XXXX XXXX XXXX filed a request for copies and receipts of the cashed/deposited Money Order from the XXXX XXXX XXXX XXXX XXXX United States XXXX XXXX XXXX XXXX XXXX XXXX Federal Reserve Bank XXXX Ive submitted XXXX ( XXXX ) and copies from both the United States Postal Service and XXXX Federal Reserve Bank XXXX XXXX instruments were accepted and cashed and/or deposited by TRUIST. Ive included proper instructions that the Money Order/ Negotiable Instrument was supposed to be specially deposited and not cashed like a regular a money order and for any overages in the form of a refund check to be mailed back to me. TRUISTs employees were supposed to credit my account accordingly, in order to balance the account and set off any alleged debt obligations -- instead they ignored the provisions of my Negotiable Instrument along with my instructions and cashed it and recorded it as a regular payment but did not credit my account, as they were supposed to. This is clearly XXXX of XXXX XXXX of Payments, which is considered a crime, specifically a felony. 

By way of my online account with XXXX Ive included an account statement which shows how my account was credited only for the minimal payment of {$100.00} ( on XX/XX/year> ) while the provisions and written instructions clearly state the instrument is worth {$9000.00} or more. 

In summary, the Negotiable Instrument ( or XXXX XXXX as legal tender ) was deposited as instructed however, TRUISTs employees failed to credit my account in the amount of {$9000.00} as instructed. Their neglect to properly handle my XXXX and record my credit ( XXXX ) has caused me financial hardship, pain and emotional distress.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: OH

Complaint narrative:
THESE Companies ( XXXX XXXX XXXX XXXX XXXX XXXX has reported late payments & collections of no knowledge and theyve not under the FCRA Section 609 ( a ) ( 1 ) ( A ) that credit reporting agencies must physically verify the original signed consumer contract for every account theyve included into my credit report. Ive yet to see that and have not gotten anything of any sort. Ive kids and I am ill. 
Also mobile show XXXX different agencies that dont even make sense my information was sold I do t even know or understand who these people are.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: SC

Complaint narrative:
According to the Fair Credit Reporting Act 15 USC 1681 section 602a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Equifax, XXXX and XXXX ( XXXX of information to credit agencies ) are consumer reporting agencies and I am the XXXX. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( Furnisher of information to credit agencies ) the XXXX XXXX and the XXXX reporting agencies Equifax, XXXX and XXXX do not have my consent to furnish Negative information that is effecting my personal mode of living, and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX, whether it be verbal, non-verbal, written, implied or otherwise is REVOKED. Equifax, XXXX and XXXX ( XXXX of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' Any Negative account reporting are adverse items that are reporting again without my permission which is against the law. Per their Privacy Policy Equifax, XXXX, XXXX ( Furnisher of information to credit agencies ) also states that I the Consumer have the Right to Opt-out and Correct my credit File. 

As a Federally Protected Consumer Equifax, XXXX, and XXXX ( Furnisher of information to credit agencies ) Reporting is Effecting my Personal Mode of living which you said you would not do Per your Privacy Policy Statement. Please correct this at the recipe of this complaint.

Company response to consumer: Closed with explanation