vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
[ XXXX ] XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX ] Subject : Request for Removal of Outdated Closed Account from Credit Report To Whom It May Concern, I am writing to formally dispute the reporting of a closed account that appears on my credit report. This account exceeds the reporting time frame allowed under the Fair Credit Reporting Act ( FCRA ) and should be removed. 

Account Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account Closed XX/XX/XXXX Account last reported Last reported XX/XX/XXXX Amount Owed {$4300.00} Payment status In Collections/Charge-off Remarks by creditor Profit and loss write-off Dispute resolved reported by grantor Dispute resolved reported by grantor Account Name : [ XXXX ] Account Number : [ LAST XXXX # XXXX ] Under the FCRA, negative information, including accounts that are closed, may only be reported for XXXX years from the date of first delinquency. Based on my records, this account was closed and is beyond the allowable reporting period. As such, it should no longer appear on my credit report. 

I respectfully request that you investigate this matter and delete this account from my report. Please find attached copies of the following documents for your reference : A copy of my credit report with the outdated account highlighted. 
Any other supporting documentation to confirm the account 's age and status. 
Please confirm that this account has been removed from my credit report within XXXX  days, as required by law. If the account can not be removed, I request a detailed explanation of your investigation and the reasons for continuing to report the account. 

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

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: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
[ XXXX ] XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX ] Subject : Request for Removal of Outdated Closed Account from Credit Report To Whom It May Concern, I am writing to formally dispute the reporting of a closed account that appears on my credit report. This account exceeds the reporting time frame allowed under the Fair Credit Reporting Act ( FCRA ) and should be removed. 

Account Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account Closed XX/XX/XXXX Account last reported Last reported XX/XX/XXXX Amount Owed {$4300.00} Payment status In Collections/Charge-off Remarks by creditor Profit and loss write-off Dispute resolved reported by grantor Dispute resolved reported by grantor Account Name : [ XXXX ] Account Number : [ LAST XXXX # XXXX ] Under the FCRA, negative information, including accounts that are closed, may only be reported for XXXX years from the date of XXXX  delinquency. Based on my records, this account was closed and is beyond the allowable reporting period. As such, it should no longer appear on my credit report. 

I respectfully request that you investigate this matter and delete this account from my report. Please find attached copies of the following documents for your reference : A copy of my credit report with the outdated account highlighted. 
Any other supporting documentation to confirm the account 's age and status. 
Please confirm that this account has been removed from my credit report within XXXX  days, as required by law. If the account can not be removed, I request a detailed explanation of your investigation and the reasons for continuing to report the account. 

Thank you for your prompt attention to this matter. I look forward to your 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: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
[ XXXX ] XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX USA ] Subject : Request for Removal of Outdated Closed Account from Credit Report To Whom It May Concern, I am writing to formally dispute the reporting of a closed account that appears on my credit report. This account exceeds the reporting time frame allowed under the Fair Credit Reporting Act ( FCRA ) and should be removed. 

Account Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account Closed XX/XX/XXXX Account last reported Last reported XX/XX/XXXX Amount Owed {$4300.00} Payment status In Collections/Charge-off Remarks by creditor Profit and loss write-off Dispute resolved reported by grantor Dispute resolved reported by grantor Account Name : [ XXXX ] Account Number : [ LAST 4 # XXXX ] Under the FCRA, negative information, including accounts that are closed, may only be reported for seven years from the date of first delinquency. Based on my records, this account was closed and is beyond the allowable reporting period. As such, it should no longer appear on my credit report. 

I respectfully request that you investigate this matter and delete this account from my report. Please find attached copies of the following documents for your reference : A copy of my credit report with the outdated account highlighted. 
Any other supporting documentation to confirm the account 's age and status. 
Please confirm that this account has been removed from my credit report within 30 days, as required by law. If the account can not be removed, I request a detailed explanation of your investigation and the reasons for continuing to report the account. 

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

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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally dispute an unauthorized credit inquiry that appears on my credit report, which I believe violates the Fair Credit Reporting Act 's provisions regarding permissible purposes for furnishing credit reports, specifically as outlined in 15 U.S.C. 1681b ( a ) ( 3 ) ( A ). 

XXXX  XX/XX/2024 XXXX  XX/XX/2024 XXXX  XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX XX/XX/2024 XX/XX/2024 XXXX XXXX XXXX These inquiries were made without my knowledge or consent, and I do not recall authorizing these to access my credit report. Under the FCRA, consumer reporting agencies are not permitted to furnish personal credit information without a valid permissible purpose. I believe this inquiry was made without a permissible purpose and therefore request its removal from my credit report. 

Please investigate this matter within the statutory period of 30 days as required by the FCRA and confirm in writing to me that this inquiry has been removed.

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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally dispute an unauthorized credit inquiry that appears on my credit report, which I believe violates the Fair Credit Reporting Act 's provisions regarding permissible purposes for furnishing credit reports, specifically as outlined in 15 U.S.C. 1681b ( a ) ( 3 ) ( A ). 

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 These inquiries were made without my knowledge or consent, and I do not recall authorizing these to access my credit report. Under the FCRA, consumer reporting agencies are not permitted to furnish personal credit information without a valid permissible purpose. I believe this inquiry was made without a permissible purpose and therefore request its removal from my credit report. 

Please investigate this matter within the statutory period of 30 days as required by the FCRA and confirm in writing to me that this inquiry has been removed.

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$7400.00} - Chargeoff XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX Chargeoff XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX Chargeoff XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$880.00} - Chargeoff XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$17000.00} - Chargeoff XXXX XXXX  XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$15000.00} - Chargeoff XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX Chargeoff- XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$13000.00} - Chargeoff

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: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal infomation made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am writing to formally dispute an unauthorized credit inquiry on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, credit reporting agencies are required to ensure that consumer reports are furnished only for permissible purposes, and only with the explicit consent of the consumer in certain cases. Upon reviewing my credit report, I noticed the following unauthorized inquiry : Creditor/Company Name : [ Transunion, XXXX, XXXX ] I did not authorize this inquiry, nor did I provide written consent for [ XXXX XXXX XXXX XXXX XXXX ] to access my credit information. Therefore, this inquiry constitutes a violation of my rights under the FCRA. I kindly request the following actions : 1. Immediate removal of the unauthorized inquiry from my credit report. 2. Verification documentation : If the inquiry is deemed valid, please provide proof that I authorized the inquiry, including any written consent obtained. Please consider this a formal dispute under the FCRA. Thank you for your prompt attention to this matter. I look forward to your response.

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: IN

Complaint narrative:
I am writing to formally dispute an unauthorized credit inquiry on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, credit reporting agencies are required to ensure that consumer reports are furnished only for permissible purposes, and only with the explicit consent of the consumer in certain cases. Upon reviewing my credit report, I noticed the following unauthorized inquiry : Creditor/Company Name : [ XXXX, Equifax, XXXX ] I did not authorize this inquiry, nor did I provide written consent for [ XXXX XXXX XXXX XXXX XXXX ] to access my credit information. Therefore, this inquiry constitutes a violation of my rights under the FCRA. I kindly request the following actions : 1. Immediate removal of the unauthorized inquiry from my credit report. 2. Verification documentation : If the inquiry is deemed valid, please provide proof that I authorized the inquiry, including any written consent obtained. Please consider this a formal dispute under the FCRA. Thank you for your prompt attention to this matter. I look forward to your 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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally request the removal of fraudulent accounts and inquiries from my credit report due to a data breach incident. Under the protections provided by 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I ask that the following items be blocked and deleted immediately. 
Fraudulent Accounts : XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$270.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$450.00} XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX  XXXX XXXX XXXX - XX/XX/XXXX - {$170.00} XXXX  - XXXX - XX/XX/XXXX - {$3200.00} XXXX, XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$3800.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX  - XXXX - XX/XX/XXXX - {$1200.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$690.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$650.00} XXXX - XXXX - XX/XX/XXXX - {$1300.00} Fraudulent Inquiries : XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/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 2024-12-06 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: CCS Financial Services, Inc.
State: LA

Complaint narrative:
I called the credit report to verify my debt information reported is 100 % accurate and that they can fully verify it. They could not.

Company public response: Company believes it acted appropriately as authorized by contract or law
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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to request the immediate blocking and deletion of the following fraudulent accounts and inquiries from my credit report. I am a victim of a data breach, and these accounts and inquiries are not mine. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the removal of these items from my credit report. 
Fraudulent Accounts : XXXX XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX  XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$11000.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$4400.00} XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$4100.00} Fraudulent Inquiries : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
XXXX is a service purported as A fast, easy way to send money to and within the United State, and as PayPal company, assumed to be a way to transfer PayPal funds. 
I can provide my transaction ID on request. 

I have twice contacted the company for support, but have received automated and unsatisfactory responses. The process flow for the transaction is deceptive. As a result, I transferred from credit card to bank instead of from Paypal account to bank, and incurred 1 ) cash advance fee 2 ) cash advance balance with higher interest rate at my Credit Card company. 
I want the transaction to be reversed. 

This is the flow of the process : 1. Landing screen - enter amount to transfer ( XXXX, my entire Paypal balance ) 2. Select Receiving Option ( Bank Deposit ) 3. Enter Routing Number 4. Enter Contact Information 5. Choose a Way to Pay -- this is where the problem is : A. When user enters their full PayPal balance to transfer in step 1, Paypal is not presented as an option to Pay. The user assumes that the ONLY charge is the $ XXXXUS fee, not the full amount being transferred. 
B. When user enters an amount less than their full Paypal balance, specifically the fee amount, PayPal IS presented as an option to Pay, but again only the FEE amount is mentioned. 

The user should be presented with the option to Pay with their available PayPal balance and if necessary, pay fees separately, or to deduct the amount of the fee from the transfer. The XXXX product has an insufficient design which harms customers. 

The attached PDF contains my transaction ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I recently opened a complaint against Huntington Bank for fraudulently stating they had closed my account and then I continued receiving emails and texts from them that my account was still open. This concerned me because possibly they could attempt to fraudulently charge fees. They also locked me out of the account on their website while doing this - after one login attempt with the correct password, the error states " You have exceeded the maximum number of attempts. Your account has been locked. '' Huntington wrote correspondence to my first complaint that my account was in fact closed however just today I received a text and email saying my account is still open so I am opening a new complaint. Huntington Bank needs to be held accountable for this bad behavior because consumers can be financially damaged by it.

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
The following inquires are a result of on going identity theft. 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 I am ordering that they be immediately blocked, removed, and deleted from my credit report with Trans Union , LLC within 4 business days as required under Section 605B of the FCRA. 
See Attached.

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