vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2024-10-16 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: MS

Complaint narrative:
Upon reviewing my credit report, I noticed several errors related to late payments. These discrepancies do not reflect my typical payment history. Please update my account to correct these mistakes. Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-16 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: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2024-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  XXXX Account Number : XXXX 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 2024-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  XXXX Account Number : XXXX 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 2024-10-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This account is being reported on my credit report. I have no knowledge about this alleged debt or this collection company. I was never notified about my right to dispute.

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 2024-10-16 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2024-10-16 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: MO

Complaint narrative:
There are several inaccuracies regarding late payments on my credit report. These don't align with my typical payment habits. Please correct these and adjust my account. Thanks!

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 2024-10-16 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: NY

Complaint narrative:
XX/XX/year> - XXXX / ticket closed, credit report still inaccurate XX/XX/year> - XXXX / no action / response / correction of inaccurate information Filing a ticket again today as Equifax has made no attempts to contact me directly, through my attorney, or other channel to report my information accurately. Equifaxs misuse of my data and failure to update is creating undue stress to me and subjects to me least favorable terms available to me based on the incorrect information reported by Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 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: IL

Complaint narrative:
Accounts was open without my permission or consent. I was a victim of identity theft.

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 2024-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
RE : XXXX Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> - {$7300.00} Please block this information from my credit report within four business days, pursuant to Section 605C of 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 explanation
Consumer complaint received 2024-10-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
After struggling to pay down my bill with my planned payments. I realized that Bank of America had increased my fixed interest rate from 6.5 % to 10.99 %. I have had this card since XXXX and the rate was fixed at 6.5 % until sometime in XXXX. I am not sure when. I called to request that they lower it back to the original fixed, provide a refund for the overcharged interest, OR provide me with the agreement I signed to change the card 's terms. I was told " you didn't think you would have 6 % forever, 11 % is still really good for most of today 's rates ''

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 2024-10-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I am writing to formally file a complaint against PayPal regarding unlawful practices concerning my account, particularly related to blocking my ability to dispute a transaction and forcing me into a negative balance. 

Background : On XX/XX/year>, I made a purchase with XXXX, processed as an instant transfer by PayPal. 
On XX/XX/year>, XXXX refunded the amount, which was credited to my bank account ending in XXXX. 
The following day, PayPal placed my account in a negative balance of {$42.00}, despite the refund being processed. 

Previous Experience : This is not the first time this has happened. In a prior incident, after disputing a transaction with my bank due to a scammer, my bank refunded me, and PayPal still put my account in the negative. They also blocked my ability to dispute the transaction. When I tried to file a complaint, PayPals system said the transaction ID was not available for dispute. 

Ongoing Issues : PayPal representatives have repeatedly told me that the only solution is for me to add funds to my account, despite my clear explanation that the transaction was refunded. 
I have received repetitive emails and calls from PayPal with the same answers, insisting I pay the negative balance, but they have ignored my requests to dispute the charge. 
PayPal informed me that this is part of their legal agreement, but it is still illegal under U.S. consumer protection laws to block my ability to dispute the balance. 
PayPal told me to contact the websites where I made these purchases. After I did so, they still kept my balance in the negative. 

Legal Violations : Under U.S. consumer protection laws, including the Fair Credit Billing Act ( FCBA ) and Electronic Funds Transfer Act ( EFTA ), I have the legal right to dispute unauthorized or erroneous charges before being required to pay. Blocking my ability to dispute this balance and continuing to ask for payment is both unethical and unlawful. 

Despite requesting all communications be handled via email, I was contacted through PayPals message center by a representative named XXXX, and the platform doesnt allow me to respond. PayPal has yet to honor my request for email communication and has failed to escalate the issue properly. 

Request for Assistance : I am requesting your assistance in investigating and addressing these unlawful practices. I have already filed a complaint with the XXXX XXXX XXXX  ( XXXX  ) and will pursue legal action if PayPal continues to violate my consumer rights. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
On XX/XX/year>, an unauthorized transaction of {$1000.00} through XXXX was completed and reported to SoFi Banking. 
On XX/XX/year>, an unauthorized transaction of {$990.00} through XXXX was completed and reported to SoFi Banking.

After only two days, my report for fraud in the amount of {$990.00} was denied. Banking management advised me to appeal and request documentation. Upon follow-up, I discovered that a report of fraud that occurred on XX/XX/year> was never taken. Banking Management took my complaint and issued a fraud report. Two days later, I received an email stating my claim was denied. I appealed and requested documentation used to determine their outcome. 
Additionally, I completed a police report with the XXXX Police Department.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-16 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:
These late payments : XXXX XX/XX/year> XXXX XXXX XXXX, XXXX 15 U.S Code 1681 ( 4 ) states I have the right to privacy I consider a late payment to be private information this must be removed immediately thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 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: NY

Complaint narrative:
These late payments : XXXX XX/XX/year> XXXX XXXX XXXX, XXXX 15 U.S Code 1681 ( 4 ) states I have the right to privacy I consider a late payment to be private information this must be removed immediately thank you

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 2024-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: LEXISNEXIS
State: SD

Complaint narrative:
Please send my credit report I have been requesting for under the FCRA. For three months, LexisNexis has repeatedly REFUSED to mail me a copy of my credit report, even though I have submitted, online and via phone, my Full Name, Physical and Mailing Address, Phone Number, Drivers License Number, and Social Security Number. I want a copy of my Credit Report required under FCRA and they refuse to mail it, stating they couldn't " authenticate '' yet they continue to provide third parties negative reports about me the same information. 

On XX/XX/year> I received a letter via mail from LEXISNEXIS Consumer, including a Case Number, ( Attached to this complaint ) they again refused to give me a copy credit report. 

On XX/XX/XXXX, I called the LexisNexis Consumer line XXXX, and spoke with XXXX, and the Supervisor XXXX, for almost TWO HOURS, again they refused to mail a copy of my report. Now stating they could not " authenticate '' my address even thoughI received a letter via mail at the authenticated address. Please send my credit report I have been requesting for under the FCRA. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 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: TX

Complaint narrative:
I am rejecting this response because : The Credit Bureau recent response to my complaint regarding inaccuracies on my credit report. Despite my numerous attempts to dispute these erroneous accounts and rectify the situation, XXXX has failed to adequately address and resolve the issues at hand. Over the past several months, I have repeatedly contacted The Credit Bureau, providing detailed information and supporting documentation to demonstrate the inaccuracies present in my credit report. Unfortunately, each attempt has been met with insufficient action and a lack of proper investigation into the matters I raised. This ongoing negligence has caused significant harm to my creditworthiness and has had adverse effects on my financial well-being. I am now seeking the intervention and assistance of the CFPB to help resolve these persistent issues. The Credit Bureau failure to correct these inaccuracies and conduct a thorough investigation is a clear violation of the Fair Credit Reporting Act ( FCRA ). Specifically, they have breached my consumer rights to a fair and accurate credit report by not fulfilling their obligation to investigate disputes properly and correct any errors. The FCRA mandates that credit reporting agencies must investigate disputed information and make corrections if inaccuracies are found. The Credit Bureau continuous disregard for this responsibility has not only violated my rights but has also perpetuated the damages being done to me as a consumer. I trust that the CFPB will take appropriate action to ensure that The Credit Bureau adheres to the FCRAs requirements and conducts a comprehensive review of my disputes. I am seeking a resolution that includes the correction of all inaccuracies on my credit report and a quarantee that my consumer rights will be respected moving forward

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 2024-10-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
I have a title loan with TitleMax on my 2023 XXXX. I believe I was misinformed or misled regarding the monthly payments because I checked back every week and the payment amount has increased.. I have paid over {$6000.00} in payments, and a loan has only lowered from XXXX total to XXXX for a payoff. I have requested an itemized statement of every payment that Ive made to be mailed to me. They refused and theres no place on the website to see my payment history, I have not had them try to take my XXXX yet and I am making payments on it when I can however, every time I log into make a payment the demand or amount they requiring higher

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 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: PA

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2024-10-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit report contains mistakes related to 15 USC 16c-2. The listed inquiries weren't approved by me, and they're harming my credit score. Kindly remove these unauthorized inquiries. I appreciate it!

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