vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-09 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: NJ

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XXXX the XXXX of 2024 I had noticed the account balance and utilization on my XXXX Credit card, under TransUnion have not been reported since XXXX  XXXX of XXXX and XXXX have been reporting correctly since Feburary until current. I have proof of payments, on time, since then until XXXX of 2024. I then contacted my Credit card ( XXXX XXXX XXXX ) to notify the incorrect open balance and utilization. I was told by XXXX  on XXXX the XXXX that Transunion was not reporting monthly on time. I then contacted Trans Union to discuss this issue, which needs to be updated to reflect my current open balance since its incorrect credit usage is 41 %. I was told they will update, and send a credit report. 


I am requesting additionally an audit under the CFPB with regards to my total credit history as Transunion has since not been reporting correctly, and my credit report has since not been sent since XX/XX/XXXX. 

This is severely impacting my ability to financially recovery from the many months of incorrect reporting, Where I have discussed possible punitive damages. 

Please advise how I can best assist in this investigation, and speed along so we may come to a resolution. 

Thanks in advance, 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 2024-06-09 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: PA

Complaint narrative:
I am writing about an error on my credit report that needs to be updated asap. Upon reviewing my credit report, I discovered that there is a late payment reported for XX/XX/2023 from my XXXX  credit card account. This late payment is inaccurate and I reached out to the company directly to resolve this. 

I am attaching the letter from XXXX XXXX XXXX XXXX, affirming that the reported late payment for XX/XX/2023 is to be updated to reflect as on time. This document provides clear evidence that the late payment was either a mistake or an oversight and should not reflect negatively on my credit history. 

As a responsible consumer, I take great care to ensure that my financial obligations are met in a timely manner. Therefore, it is imperative that this discrepancy be addressed promptly to avoid any unwarranted damage to my credit score and financial reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-09 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Paypal Holdings, Inc
State: NE

Complaint narrative:
I put complain in for my refund not being refunded after sending product back that is still open through this site # XXXX and on the same day PayPal issued refund that limited my account and I have been calling them every day asking to speak with a supervisor and I have been told that they found another account that was in an XXXX XXXX XXXX not for sure of how to spell. And I asked PayPal to shut down that account before I send my ID in to get services back from being limited access as some has my information and can steal my money so I will wait for supervisor to call me back and you need to close that other account down as it is an fraudulent account open up in my name without my consent or knowledge so I was told again by PayPal ( get and pull all phone recordings ) I was told the back office is investigating the other account I asked did when was this account opened up PayPal said they don't know and I asked when was the last time that other account was used PayPal said they don't know but all this did not start happening until I sent in proof that PayPal lied and said my refund request closed in favor of the merchant because the tracking number was wrong which was a lie PayPal said and told Now PayPal is telling me it is suspicious activity on my account and I AM DEMANDING TO KNOW AND SEE THIS ACTIVITY NOW OF WHAT MY ACCOUNT I HAVE BEEN USING AND JUST LOADED MY LAST {$100.00} ON TO PAY SOME BILLS THAT NOW PayPal is now going to hold my money for ( 120 ) days I NEED MY MONEY NOW THIS IS Violating my rights PAYPAL has no right to do this Show me the suspicious activity and release my MONEY NOW as PayPal have closed my account without telling me nothing and now want to hold my money for 120 days why I will be filing an lawsuit against PayPal I am demanding the address of the register agent to see lawsuit this will be filed in federal court and I am demanding proof of what did I do the real interest of the party Paypal is making me late on my bills by holding my money without a cause I put in another request to have an supervisor call me as PayPal is not telling me what is going on that is my right to know what is going on and paypal is and has caused harm to me I will be taking this matter to court as PayPal has caused harm and damages and I the real party of interest is demanding Redress for PayPal under called actions they have taken against me XXXX XXXX XXXX. Number # XXXX and New Ref. Number # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
ON XXXX XXXX I RECEIVED AN EMAIL ALERT FROM THE BANK OF AMERICA THAT XXXX XXXX WAS ADDED TO MY XXXX ACCOUNT. I CALLED THE BANK IMMEDIATELY AND TOLD THEM I DIDN'T KNOW WHO THIS PERSON WAS AND DID NOT GIVE ANYONE PERMISSION TO BE ADDED TO MY XXXX ACCOUNT AND I TALKED TO THE FRAUD DEPARTMENT AT BOFA AND THEY TOLD ME {$9900.00} WAS TAKEN OUT OF MY CHECKING ACCOUNT. MY DAUGHTER, XXXX XXXX AND I WENT TO THE BANK BRANCH AND TALKED TO XXXX XXXX WHO PUT IN A CLAIM AND ULTIMATELY FOUND OUT THE THEIF TOOK THE MONEY OUT OF MY XXXX ACCOUNT. XXXX FRAUD HAS THE CLAIM AND WON'T TELL ME ANYTHING ABOUT THE PROGRESS OF THEIR INVESTIGATION. NO ONE AT THE BANK CAN TELL ME ANYTHING ABOUT XXXX EXCEPT THEY HAVE A LOT OF FRAUD CLAIMS WITH THIS ENTITY. I WAS TOLD BY THE BANK EXEC THAT MY MONEY WILL BE RETURNED WITIN 10 DAYS OF THE CLAIM AND 45 DAYS A DISPOSITION OF WHAT HAPPENED WILL BE SENT TO ME. SOMETHING FISHY IIS GOING ON HERE, XXXX ALLOWED THIS GUY TO TAKE MONEY OUT OF MY CHECKING AND THE BANK HAS NO CONTROL OVER XXXX!!! THERE SHOULD BE A CONGRESSIONAL INVESTIGATION ABOUT THIS BANK THAT HAS NO CONTROL OVER XXXX TO PROTECT CONSUMERS.THE COMPLAINT TO THE XXXX FRAUD UNIT WILL NOT GIVE ME AN UPDATE ON THEIR SO CALLED INVESTIGATION, THEIR REPS TELL ME " IT'S IN THE BACK OFFICE OF XXXX XXXX AND THE BANK CAN NOT GET UPDATES FROM THEM '' YEAH RIGHT THE BACK OFFICE!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I've noticed unfamiliar items on my credit report, suggesting possible identity theft as I did not authorize these accounts. I've previously addressed this issue, and I'm now requesting prompt removal of these accounts from my report. Their presence is causing me significant stress, as they do not reflect my true credit history or financial behavior, making it challenging to manage. If resolution isn't achieved, I'm prepared to seek legal recourse to safeguard my rights and find a solution. These inaccuracies are hindering my ability to achieve important financial milestones, such as homeownership and supporting my family. I earnestly hope for a swift resolution 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 2024-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I've noticed unfamiliar items on my credit report, suggesting possible identity theft as I did not authorize these accounts. I've previously addressed this issue, and I'm now requesting prompt removal of these accounts from my report. Their presence is causing me significant stress, as they do not reflect my true credit history or financial behavior, making it challenging to manage. If resolution isn't achieved, I'm prepared to seek legal recourse to safeguard my rights and find a solution. These inaccuracies are hindering my ability to achieve important financial milestones, such as homeownership and supporting my family. I earnestly hope for a swift resolution 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 2024-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CL Holdings LLC
State: CA

Complaint narrative:
Jefferson Capital reported an address change to XXXX. I received an address change alert on XXXX and checked XXXX. The address they claim is my new address is XXXX XXXX XXXX XXXX XXXX, AZ XXXX. This is incorrect. I still live in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I believe this is in retaliation for me putting my debt on a debt consolidation plan. XXXX XXXX XXXX is working with them to pay off my debt owed to the account they purchase so they should leave me alone and stop these harassing debt practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 00:00:00
Product: Credit card — Store credit card
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: GOLDMAN SACHS BANK USA
State: MA

Complaint narrative:
Apple and is just being impossible letting me use my card for no reason but let someone else lie say they whered my child and apple let them run up a bill with card I reported everything even police report and everything and even took kid to court he was found guilty anpplill. O XXXX my card or usage back

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfoliorecov left a voicemail incriminating an arrest for someone I don't know. They repeatedly keep calling my phone number using different phone numbers listed here : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-09 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: NC

Complaint narrative:
I NEVER gave any consumer reporting agency the permission, to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the ACCOUNTS, listed IMMEDIATELY! 
Ive submitted proof of Identification card, Social Security card proof of address and FTC

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so, they didn't follow the proper procedure in notating my dispute of the account, which is a direct violation of XXXX XXXX XXXX ( XXXX ), which makes this unfair practices. According to the FDCPA XXXX entitled to XXXX dollars per violation and clearly they violated my rights. 
I demand this company to delete this account from all XXXX credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney who has advised me that the fact that they didnt notate my account on my credit report as consumer disputes as a violation that I am able to sue them under.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 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:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-10 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: MI

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc

Complaint narrative:
I was using PayPal for some XXXX  years without problems making many purchases and some money transfers... .then I got message that there was insufficient funds in my bank to make a transfer I asked for ... ..actually there was a lot more than necessary ... XXXX bank I have been with for close to XXXX years wrote to me that they never received a request from PayPal for the sum I XXXX ... ... XXXXPayPal has a very bad reputation on some web sites regarding problems with resolution ... ..You may ask PayPal for all communication regarding my requests to XXXX their computer problem ... ... I am a XXXX XXXX living in XXXX... .This is XXXX fantastically well designed XXXX site for problem resolution ... ..PayPal should get equally good page designers

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 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: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are unverified. I understand that, according to the Fair Credit Reporting Act, Section 611 of the FCRA, you are required to promptly delete all information that is inaccurate, incomplete or which can not be verified.It is also my understanding that, under the FCRA, 15 U.S.C. & 1681i, every single one - even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and/or unverified aspects of any alleged derogatory accounts- must be promptly negated in its entirety, or the alleged accounts must be completely deleted.I am now enacting my consumer and civil rights to compel you to annul with permanent deletion these derogatory accounts, or provide testimony and certification that you are adhering to mandated XXXX  XXXX XXXX formatted reporting standards according to regulations. The following derogatory account allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise not proven in compliance with regulatory federal reporting laws and/or standards, and must be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 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: NC

Complaint narrative:
I NEVER gave any consumer reporting agency the permission, to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the ACCOUNTS, listed IMMEDIATELY! 
Ive submitted proof of Identification card, Social Security card proof of address and FTC

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-09 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: NC

Complaint narrative:
I NEVER gave any consumer reporting agency the permission, to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the ACCOUNTS, listed IMMEDIATELY! 
Ive submitted proof of Identification card, Social Security card proof of address and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 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: PA

Complaint narrative:
Equifax has illegally REINSERTED ( 6 ) accounts without providing proper notice to XXXX XXXX ( ME ) in violation of the FCRA. 
I disputed via CFPB # XXXX and received results on XX/XX/XXXX stating : Trade : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX stating the ( 3 ) accounts were Deleted and NOT CURRENTLY reporting on my Equifax credit report. ( See XXXX ) Additionally, I disputed via CFPB # XXXX and received results on XX/XX/XXXX stating : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX stating all ( 3 ) were DELETED and NOT CURRENTLY reporting on my Equifax credit report.

Unfortunately these account are currently reporting on my Equifax credit report today XX/XX/XXXX. I am a subscriber to credit monitoring service.

My initial disputes both times were submitted because my PRIVACY RIGHTS have been violated!

FCRA 602 states I have a right to privacy and FCRA 604 ( a ) ( 2 ) states a CREDIT REPORTING CAN NOT furnish an account without written instructions from the consumer.

Equifax has illegally REINSERTED these 6 accounts listed above and additionally in ( Screenshots attached ) Equifax FAILED by illegally REINSERTING the accounts without proper notice being sent to me. 
ALL ( 6 ) of the accounts intially were disputed because ALL of the accounts were illegally PUBLISHED / FURNISHED in violation of FCRA 602 and FCRA 604 ( a ) ( 2 ) thereby in violation of my privacy because Equifax failed to attain written instructions from XXXX XXXX ( ME ) Federally Protected Consumer who is fully aware of my consumer rights that these 6 accounts should not at any point have been PUBLISHED/FURNISHED without my Permission/Consent and or WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: HW Holding, Inc
State: NY

Complaint narrative:
XX/XX/year> Hunter Warfield tried to access my XXXX credit reporting I received a notice from XXXX and it has effected my rating droping it down from XXXX to XXXX. It's a false inquiry on my account and XXXX has noted it as a Hard Inquiry. To get rid of this I had to report this to you as well. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 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: IN

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with explanation