vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-11 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: FL

Complaint narrative:
To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information.

You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
People are so arrogant and so XXXX XXXX that you dont even realize none of those XXXX transactions were me. They were done recurring charges that Ive been fighting which Ive called you folks about. Secondly, would you guys froze my account I called you guys immediately and let you know this situation Was trying to transfer out of the folks folks which is a recorded call Im sure told me to send it to my XXXX account and I would be able to transfer it from there so thats why I did that so dont use the instructions that I was given from you guys as an excuses to why you lock my money up until 14 days later and now 14 days later, I tried to transfer the money out of the account into a different account and you guys locked it again today and I had to send my selfie along with my ID ID so you tell me why over and over and over again the same XXXX account that Im clearing is mine and sending proof of you guys keep blocking it every single time I try to send money out except where you tell me to send it to XXXX XXXX which is also owned by Venmo so I sent it to XXXX as instructed and then you guys flagged me for that saying oh you cant be doing that you guys are your XXXX mind I want my money out of my account and I want this account closed for good Ive use Venmo Free years years and Ive never had a problem. All of a sudden you guys are acting like XXXX XXXX and Im tired of it. I want my money unlocked and I want my account closed. You guys froze me up again today the same money, the same Ive been waiting for for XXXX XXXX weeks. I spent two nights sleeping in my car till a family member was able to send me money its XXXX XXXX you and your XXXX service ill stick with chime

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ARVEST BANK GROUP, INC.
State: GA

Complaint narrative:
Arvest Mortgage is reporting that I was late on my payment back in XXXX of 2023. It is currently being reported to XXXX, XXXX, and XXXX. However, I was never late for any payment. Incorrect data is being reported to all 3 credit bureaus.. In the past, I have talked to Arvest Mortgage and it was supposed to have been fixed but still it is not fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 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: NY

Complaint narrative:
On XX/XX/2024 my password didn't work on TransUnion website. After retrieving my online account, I discovered that someone hacked into my online account and changed the password and email address on file. I corrected all information again instantly. 

On XX/XX/2024 I contacted TransUnion fraud department and spoke with an agent named XXXX XXXX ref # XXXX ) and explained someone hacked into my account. I asked for an extra layer of security on my account such two-factor authentication or email/text notification services. XXXX declined that such services are not provided at TransUnion and was able to put a fraud alert on my account. 

On XX/XX/2024 I discovered that a credit freeze has been temporarily lifted on my online account. I instantly put the freeze back on and called. I spoke with XXXX XXXX ( File # XXXX ) who confirmed that someone earlier called in and made a verbal request to lift the freeze with my personal information including social security number. I asked if they can provide any extra layer of security on my online account such as two-factor authentication. She stated that TransUnion doesn't provide such services. When she was trying to put a password on my credit security, she notified me that she is not able to do that anymore because the system blocked the credit freeze feature on my account. She furthermore confirmed that the credit freeze can be requested by only mail and you only need a written letter and a copy of ID. 

I suspect that this person has a copy of my ID along with other sensitive personal information and I'm not feeling confident with TransUnion 's capability to protect my credit. There has been multiple attempts by an unknown person to break into my account and to lift the credit freeze. TransUnion agents are not able to provide any security measures to further protect my credit and 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 2024-01-11 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
To whom it may concern : XX/XX/2023 Per the Fair Credit Reporting Act, As a federally protected consumer, I am opting out of any and all authorization I the consumer may have given you written, unwritten, verbal or nonverbal per 15 : USC-6802. 
Thank you 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 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXXXXXX XXXX is reporting that I was late on my payment back in XXXX of 2023. It is currently being reported to XXXX, XXXX, and Transunion. However, I was never late for any payment. Incorrect data is being reported to all 3 credit bureaus.. In the past, I have talked to XXXXXXXX XXXX and it was supposed to have been fixed but still it is not fixed.

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 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXXXXXX XXXX is reporting that I was late on my payment back in XXXX of 2023. It is currently being reported to XXXX, Equifax, and XXXX. However, I was never late for any payment. Incorrect data is being reported to all 3 credit bureaus.. In the past, I have talked to XXXXXXXX XXXX  and it was supposed to have been fixed but still it is not fixed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 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: GA

Complaint narrative:
XXXXXXXX XXXX is reporting that I was late on my payment back in XXXX of 2023. It is currently being reported to Experian, XXXX, and XXXX. However, I was never late for any payment. Incorrect data is being reported to all 3 credit bureaus.. In the past, I have talked to XXXXXXXX XXXX  and it was supposed to have been fixed but still it is not fixed.

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 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX has a negative account reporting on my credit report, per the XXXX XXXX XXXX XXXX is not authorized to report in the boundaries of my state of North Carolina and the documentation is attached as well as I have sent National credit systems a letter requesting debt validation back on XX/XX/2023 and they just like the credit agencies have failed to verify the method of verification of all disputes as requested as well as XXXX XXXX XXXX has failed to validate the debt. 

Equifax, XXXX and XXXX are in violation of US USC 1681i ( 6 ) ( b ) ( iii ) and 15 usc 1681i ( 7 ) not providing the method of verification is a willful neglect of non-compliance of 15 USC 1681N. I have requested the method of verification several times from these agencies and they only reopen the investigation and send back a verified generic message. the companies have caused credit defamation by reporting thee inaccurate accounts and have failed to perform their due diligence to ensure they are reporting accurate information, had they performed their research they would of known national credit systems is not authorized in the state of NC to collect a debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 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: NY

Complaint narrative:
I am facing substantial challenges due to negative credit reports, hindering my chances of securing jobs, apartments, and loans. This has created a roadblock in my pursuit of a better life for myself and my children. Overcoming these hurdles is essential for our well-being and the opportunity to access generational wealth. I am determined to move forward, but the impact on my mental health and character underscores the urgency of resolving these credit issues. According, to the 15 U.S.C 1681 there should not be any damages to my credit and these reports are defamatory to my character. Your understanding and support in addressing these challenges mean a lot to me.

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 2024-01-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
As per my other complaint with XXXX XXXX. 

My carpayment was withdrawn XXXX times for XXXX. the funds were removed on XX/XX/XXXX and XXXX. XXXX XXXXXXXX stated that the funds were returned on XXXX second and posted to my account on XX/XX/XXXX as a refund. 

Huntington bank stated on multiple occasions that they never received a funds return. I asked for something in writing stating that the funds had not been received preferably by email. They said they could not communicate that in any way. I stated I have receipts stating the funds should be back in. 

The rep transferred me to the supervisor after several times asking for it. I waited on hold an excess of XXXX minutes, then hung up because I was working. I taked with XXXX XXXXXXXX XXXX several times and they keep stating the funds were returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 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: OneMain Finance Corporation
State: NY

Complaint narrative:
hi, my name is XXXX XXXX and one main financial made an improper credit reporting, saying I had one personal loan and gave me a hard inquiry for that personal loan. When I asked for it to be removed, they removed the had a personal loan, but they didnt remove the hard inquiry, this dont follow our credit laws

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
To Whom It May Concern, I hope these letters will reach the appropriate departments. They reported multiple numbers of collection accounts on my credit report, yet, my personal information from their records were incorrect. 

They have NO uniformity of information. 
How can they say that a certain account is mine and my responsibility if they can't even be 100 % accurate with my personal information. Where did they obtain my details then? 

As a consumer, my concern here is the security of my private information, and I'm receiving a lot of unauthorized access on my account, doing hard inquiries and inquiry removals without my approvals and permission. 

Now, I'm totally shocked that multiple derogatory and collection accounts came popping in my credit report lately. 

I deemed it all to be misleading, invalid, inaccurate and inconsistent! I want these removed. I asked for reinvestigation in the past but I received letters not following what was written in my debt validation letter. 

Since they failed to follow the correct procedures. I request for these accounts to be remove immediately from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 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: PA

Complaint narrative:
To Whom It May Concern, I hope these letters will reach the appropriate departments. They reported multiple numbers of collection accounts on my credit report, yet, my personal information from their records were incorrect. 

They have NO uniformity of information. 
How can they say that a certain account is mine and my responsibility if they can't even be 100 % accurate with my personal information. Where did they obtain my details then? 

As a consumer, my concern here is the security of my private information, and I'm receiving a lot of unauthorized access on my account, doing hard inquiries and inquiry removals without my approvals and permission. 

Now, I'm totally shocked that multiple derogatory and collection accounts came popping in my credit report lately. 

I deemed it all to be misleading, invalid, inaccurate and inconsistent! I want these removed. I asked for reinvestigation in the past but I received letters not following what was written in my debt validation letter. 

Since they failed to follow the correct procedures. I request for these accounts to be remove immediately 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 2024-01-11 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: IL

Complaint narrative:
Transunion is reporting the same exact account on my Transunion credit report twice, as in double counting it. 
This account is under XXXX XXXX which was opened on XX/XX/2018 and is also in Collections and reported under the collections company XXXX XXXX. see attached file. 

Double counting single accounts on one credit report is illegal under the Fair Credit Reporting Act.

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 2024-01-11 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: TN

Complaint narrative:
identy theft with equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Credit card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit card plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This account was close on XXXX. 
When I decide to close the account there was a payment of XXXX cents or something similar but the problem was resolved and the account closed. The teller took me to a room and let me know the account was closed and gave me a receipt. After in 2021 when I applied for a apartment I was told I had a collection for the same bank. I asked the bank for help but they sent me to a different location and in that location they sent me to the first one. None of them gave me information about the collection or why the account was reopened after it was closed years ago. They probably thought because it was only over XXXX dollars it was okay for me to pay but it was and still is very difficult for me to pay that amount plus it has ruin my credit all this years. 

I asked the collection agency what I could do and they told me to get in contact with the bank branch to help me delete the collection as only they were able to so so, and the bank said it was up to the collection agency, not them.

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 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am facing substantial challenges due to negative credit reports, hindering my chances of securing jobs, apartments, and loans. This has created a roadblock in my pursuit of a better life for myself and my children. Overcoming these hurdles is essential for our well-being and the opportunity to access generational wealth. I am determined to move forward, but the impact on my mental health and character underscores the urgency of resolving these credit issues. According, to the 15 U.S.C 1681 there should not be any damages to my credit and these reports are defamatory to my character. Your understanding and support in addressing these challenges mean a lot to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 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: OH

Complaint narrative:
To whom it may concern : XX/XX/2023 Per the Fair Credit Reporting Act, As a federally protected consumer, I am opting out of any and all authorization I the consumer may have given you written, unwritten, verbal or nonverbal per 15 : USC-6802. 
Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
To whom it may concern : XX/XX/2023 Per the Fair Credit Reporting Act, As a federally protected consumer, I am opting out of any and all authorization I the consumer may have given you written, unwritten, verbal or nonverbal per 15 : USC-6802. 
Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation