vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-07 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: Apelles, LLC
State: IL

Complaint narrative:
XXXX is reporting inaccurate information on my credit report. XXXX XXXX  is at fault as well I have a {$0.00} balance with XXXX but as of speaking with them numerous of times I was not told about a balance thats allegedly owed until today XX/XX/year> this account is closed and was sold to a collection agency XXXX XXXX which says I owe them {$350.00} which is a different amount allegedly owed to XXXX XXXX  which was {$140.00}. This company is violation of my rights and transunion is reporting this inaccurate information on my credit report. 15 USC 1681 I never gave this company to furnish or obtain my information this is violating my rights. 15 USC 1681 ( b ) whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Complaint Thursday XX/XX/year> ; A Credit was issued and sent to XXXX XXXX the private trust for the amount of XXXX. XXXX XXXX XXXX XXXX is the payer and consumer who has sent funds to recipient XXXX XXXX the private trust for stocks own in an individual plan. Payment was receive from XXXX billing and paid out from company clearinghouse account in Availity to sort out remittance advice. The product/items was corporate actions. XXXX XXXX the private trust owns XXXX stocks out of XXXX XXXX XXXX XXXX XXXX. The price of each quantity is XXXX cents. XXXX XXXX the private trust is entitled to receive XXXX each month for stocks that are in XXXX XXXX XXXX XXXX ; Company holdings XXXX billing sent funds to paypal clearing account. XXXX XXXX the private trust is paypal merchant and paypal has never made transactions visible on paypal or credited card account. 

Paypal has temporarily block my company account and has suspend merchant services. My company XXXX XXXX the private trust has not receive funds and is unable to confirm card. Paypal is requiring {$1.00} to be on the card to verify card. My company XXXX XXXX the private trust is disputing event and is requesting a refund. 

My company XXXX XXXX the private trust uses its on Chargeback management to process claims and refunds. Were expecting for PayPal to authorize refund and credit card account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: MI

Complaint narrative:
Upon reviewing my credit report, I have discovered that certain information is inaccurate. The following item ( s ) require rectification : details. 
XXXX XXXX Equifax Credit Report Date : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also Known As : - - - Former : - - XXXX XXXX Date of Birth : XX/XX/XXXX XXXX XX/XX/XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXXXXXX XXXX  XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MI, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$17000.00} open account XXXX XXXX {$17000.00} opened XXXX, Affirm XXXX {$810.00} open XXXX, Affirm XXXX {$280.00}, XXXX XXXX XXXX  {$5500.00} opened XXXX, XXXX XXXX XXXX opened XXXX Please remove this from my report. In accordance with the Fair Credit Reporting Act, I hereby request that you investigate these items and remove them from my report. I understand that you are required to verify these items with the corresponding creditor. Should the creditor fail to provide verification, please eliminate the disputed information. Pursuant to 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days from the date of this letter. Please send an updated copy of my credit report to the aforementioned address. As per the act, there should be no charge for this updated report. Additionally, I kindly request that you notify any party who has received my credit report within the past six months of any corrections made. Thank you for your attention and assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-07 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:
Upon reviewing my credit report, I have discovered that certain information is inaccurate. The following item ( s ) require rectification : details. 
XXXX Experian XXXX Credit Report Date : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also Known As : - - - Former : - - XXXX XXXX Date of Birth : XX/XX/XXXX XXXX XX/XX/XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX  XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$17000.00} open account XXXX XXXX {$17000.00} opened XXXX, XXXX  XXXX {$810.00} open XXXX, XXXX  XXXX {$280.00}, XXXX XXXX XXXX {$5500.00} opened XXXX, XXXX XXXX XXXX opened XXXX Please remove this from my report. In accordance with the Fair Credit Reporting Act, I hereby request that you investigate these items and remove them from my report. I understand that you are required to verify these items with the corresponding creditor. Should the creditor fail to provide verification, please eliminate the disputed information. Pursuant to 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days from the date of this letter. Please send an updated copy of my credit report to the aforementioned address. As per the act, there should be no charge for this updated report. Additionally, I kindly request that you notify any party who has received my credit report within the past six months of any corrections made. Thank you for your attention and assistance in resolving 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 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax and XXXX still has information of collection that was to be removed as requested by XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$59.00}. This derogatory info was not removed by both Equifax and XXXX as shown in my XXXX credit report, as it still exists in both Equifax and XXXX report as of XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Finance of America Holdings LLC
State: TN

Complaint narrative:
My parents had a reverse mortgage through Finance of America, Reverse out of XXXX, Michigan. I spoke with their local contact, XXXX, prior to their deaths to see what I needed to do to keep the house after they pass. He gave me my options and assured me they would be able to work with me to keep the house. 

Both parents have now passed and I have requested an extenstion to pay off my parents reverse mortgage after their deaths, as XXXX and I had discussed. I have sent requested paperwork from my mortgage lender, but I still keep receiving letters in the mail requesting documentation. 

I am not getting responses to email when I send documentation. 

I have tried for weeks to make contact with XXXX, my local contact with Finance of America, Reverse. When I call, a generic recording states that they are experiencing high call volumes and to call back at a later time. This has happened for weeks now. The only other number I have is to a call center. I have called and spoke with someone there, but there is a strong language barrier that makes problem solving and understanding difficult, and they can only give me a scripted answer. 

They are not holding out to be the company they promised to be.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: TX

Complaint narrative:
To whom it may concern : I am contesting the information on my credit report that I believe is not correct. I need evidence that you verified the information to be accurate and compliant. For every inquiry I request proof that you confirmed that the creditor had a permissible purpose. I am giving you a month to investigate this matter and determine whether it is still accurate, valid and in compliance. If you can not provide proof that the information is accurate, compliant or valid I demand that you remove it from the 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 2024-12-07 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian Dispute Department XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Account Information Request for Verification Dear Experian, I am writing to formally dispute the accuracy and completeness of the following account information listed on my credit report. The details are as follows : Creditor Name : XXXX XXXX Account Number : Partial Acct # XXXX Verify the following issues with this account for completeness and accuracy : -Balance -Entire payment history -Date of last activity -Date of last payment -High balance -Recent balance -Credit limit or original balance -Status -Actual Amount Paid I am requesting that you investigate and verify the accuracy and completeness of this account. If you are unable to verify the information and provide me proof of the information verified, according to the FCRA. I respectfully request that the account be Deleted from my credit file under the provisions of the Fair Credit Reporting Act ( FCRA ). 

Please provide me with the results of your investigation and an updated credit report reflecting any changes made to my file. If this account can not be verified, I expect it to be Deleted from my credit report promptly. 

If the account can not be verified in full compliance with the FCRA, I respectfully request that it be Deleted from my credit file immediately. 

Additionally, I request written confirmation of your findings and all actions taken as a result of this dispute within 30 days, as required by the FCRA. 

Please mail your response to my address listed above. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, 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 2024-12-07 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: IN

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. Its my understanding that Experian will investigate this account for me to ensure accuracy. Here Is the account I am asking you to verify as accurate : account name XXXX XXXX XXXX XXXX  account number : 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 2024-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
XX/XX/year> Sent US {$500.00} to XXXX through Western Union ( to be received in XXXX dollar amount by the beneficiary. One local WU agency told beneficiary, they did not have currency in US dollars. She went to another WU agency. She was only given {$300.00} and they converted the remaining {$200.00} to XXXX XXXX. My complaint is, why does Western Union offer such service, ( send XXXX $ to be received in XXXX $ ) if they know that the receiving local agencies can not fulfill it. 

XX/XX/year> I sent US {$1200.00}. The beneficiary called me because she was getting the same reason again from the local WU agency, the reason when she picked up the {$500.00}.

I called WU Customer Service XXXX. The customer service representative instructed me to tell the beneficiary to tell the agent to call the XXXX tell the problem. The agency declined to do it. Instead, they instructed the beneficiary to call a number because she was the one with problem, not them ( WU ). I found out the telephone number given her, was not even a WU number. I called the XXXX again. This time, the customer representative suggested to cancel the transaction. I agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: GA

Complaint narrative:
I am writing to notify you that I am a victim of a data breach, and as a result, I am requesting that all accounts listed below be blocked and deleted in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). Please ensure these accounts are removed from my credit report immediately to mitigate the impact of this breach. 
Accounts to be blocked and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-12-07 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 writing to formally demand the immediate deletion of any derogatory information on my credit report that has not been fully verified as true, correct, complete, and compliant with all applicable reporting laws, including the FCRA, XXXX, FDCPA, and XXXX XXXX COMPLIANCE STANDARDS.

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 2024-12-07 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 writing to formally demand the immediate deletion of any derogatory information on my credit report that has not been fully verified as true, correct, complete, and compliant with all applicable reporting laws, including the FCRA, XXXX, FDCPA, and XXXX XXXX COMPLIANCE STANDARDS.

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 2024-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I applied for a Citi bank checking account and completed bonus requirement for {$3000.00} direct deposits while back and still havent got the {$320.00} bonus yet. When I inquired from Citi Bank about the bonus I received a response from the Citi bank executive team below regarding complaint The direct response that I received from Citi Bank was that I qualified for the bonus, and it will be deposited to my account on or before XX/XX/XXXX. 

They havent kept the promise, and the bonus has not been deposited as of today and when I inquired about the bonus last week, The Citi bank rep told me that I qualify for the bonus and that she will investigate the matter and then I received a correspondence from Citi Bank this week that I am not qualified for the bonus. 
I want to emphasize that Citi Bank executive team rep and the customer care gave me false information and I keep sending {$1000.00} direct deposit as of today due to false info that I received from the Citi Bank reps including one from Executive team. 
I visited Citi Bank office in XXXX to inquire about the bonus and manager XXXX XXXX inform me that he can see his internal notes that I qualify for the {$320.00} bonus from the previous communication that I had with Citi Bank.

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 2024-12-07 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: Ava Finance, Inc
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act AVA Company has violated my rights under 15 USC 1681 Section 602 states, " I have a right to privacy. '' Under 15 USC 1681 Section 604a Section 2 it also states, " a consumer reporting agency can not furnish an account without my written instructions. " Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I had a legal name change years ago for identity theft, my mother has been using my identity since i was a young girl, i have filed countless complaints with transunion for them to remove these negative remarks from my credit as they are from my old name my birth name given by my mother, and update my credit account and profile to the correct information with only my name XXXX XXXX, these were fraudulent accounts and they need to be removed i have documents from a judge signing off on my name change and my new identity, the old identity has been closed and removed from me and for some reason transunion is continuing to place old items from this name on my credit, i have filed countless countless countless complaints to this company to have this correct and update this and they will not to the point where they updated the email to my old email from when i was a young girl and my old phone number and i can not login to the account now to make any corrections or disputes they are intentionally stopping me from entering into my account i can not even access it and theyve just been saying whatever they want about me to the world and its not true! i need my email address updated to XXXX and I need access to it i need my phone number updated to XXXX and i need access to my account, I also need them to go over the already filed disputes from this last year and correct my reportings there are XXXX XXXX for XXXX in XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX from 2023????? you've removed all of my XXXX XXXX  and all the other information common sense shows these items don't match the name shown on my license, i have already provided you my legal court order from the state of florida, PLEASE FIX THIS I AM LITERALLY TIRED OF FILING COMPLAINTS ON YOUR COMPANY!!!!! NEXT IM JUST GOING TO SEEK LITIGATION AND CONTACT THE IRS.

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 2024-12-07 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: MD

Complaint narrative:
I am writing to request your assistance as a victim of a severe form of XXXX  in persons, as defined under 22 U.S.C. 7102 ( 11 ), or XXXX XXXX  under 22 U.S.C. 7102 ( 12 ). This situation makes me eligible for certain adverse credit information to be blocked according to 12 C.F.R. 1022.142.

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