vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-21 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: TX

Complaint narrative:
XX/XX/year> Subject : Dispute of Inaccurate Late Payments for XXXX  Account Dear CFPB, I am filing this complaint regarding inaccurate information reported on my credit file for the XXXX  account. Despite previous requests for correction ( letters dated XX/XX/year> and XX/XX/year> ), the inaccurate late payment reporting has not been resolved. This ongoing issue constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ).

FCRA Violations Failure to Ensure Accuracy : Under 15 U.S. Code 1681i, credit reporting agencies are required to ensure the accuracy of information in consumer files. The late payments reported for this account are inconsistent with my payment history and are inaccurate. 
Notification Requirements : Creditors are required to send periodic statements at least 21 days before the payment due date, as stipulated in 15 U.S. Code 1666b. The inaccurate reporting suggests a failure to comply with this requirement.

TILA Violations The Truth in Lending Act requires creditors to provide accurate and timely disclosures to consumers. The inaccurate reporting of late payments on this account has harmed my creditworthiness and caused unnecessary stress.

Desired Resolution : Immediate removal of the inaccurate late payment notations from my credit report.

Written confirmation of the correction to reflect accurate payment history.

A detailed description of the investigation process used to verify the reported late payments, as mandated by the FCRA and TILA.

Attachments : Copy of my government-issued ID. 
Copy of my Social Security card. 
A copy of my credit report highlighting the disputed entries. 
Copies of my original dispute letters dated XX/XX/year> and XX/XX/year>. 
If this matter is not resolved within the timeframe stipulated by the FCRA, I will escalate my complaint to the appropriate regulatory agencies, including potential legal action. 

Thank you for your prompt attention to this matter. 

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 non-monetary relief
Consumer complaint received 2024-11-21 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: FL

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

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 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
The existence of these unauthorized accounts and inquiries has caused me significant XXXX  regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Benuck & Rainey, Inc.
State: NY

Complaint narrative:
Benuck & Rainey attempted to collect a debt of insurance premiums alleged to be owed by the organization of which I am XXXX. On XX/XX/year> at XXXX XXXX, XXXX XXXX of Benuck & Rainey sent me an e-mail on which WITHOUT AUTHORIZATION she randomly included other persons with the same or similar e-mail address for the organization, disclosing CONFIDENTIAL information about an alleged debt and terms of collection settlement. This is unethical practice and conduct. It is unclear where she found those persons and their e-mails. They were never on any correspondence with Benuck & Rainey.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
In XXXX, i went to XXXX with three others. We had pre-arranged transportation, which on the return did not show up so we asked the hotel doorman to call a taxi. He asked would it be credit or cash. We said credit. In driver tried to swipe my American Express several times and said it was not working. Something about reception in that area. I have him my XXXX card. Same thing. So we gave him cash between {$25.00} and {$45.00}. We were worried about missing an early morning flight back to the US. 
While at the airport I got a call from Amex saying they noticed suspicious activity on the my card. I explained what happened and told him not to pay that we had given cash. He said once it posted I could dispute and that we will take care of you, XXXX XXXXXXXX. I see you're a 20-year card holder. Well when it posted, I disputed and they said I was responsible for what turned out to be a $ {$450.00} credit card charge. Their proof was a receipt signed with an " XXXX  ''. I have a XXXX XXXX XXXX and working writer. Why would I sign with an XXXX Additionally, the XXXX XXXX. charged more than {$500.00} to my XXXX  card, which I also disputed and which a person in the dispute center told me " well you did give him your card, and you did get a ride to the airport ''. Amazing. I did not know the charges were made until it posted. Neither Amex or XXXX have backed me up and say I'm responsible for the full amount. I have been robbed three times. Once by the XXXX XXXX XXXX and now by American Express and XXXX. Everyone should beware of using either card. They do not support customers. I have never disputed a charge so why now? Obviously, I was victim of fraud overcharged. How can I be charged over {$1000.00} on two different cards on the same taxi ride. That doesn't make sense. Now Amex wants a receipt. Perhaps they will accept an XXXX  from me, though I doubt it. Watch these card companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
The existence of these unauthorized accounts and inquiries has caused me significant XXXX  regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXX XXXX XXXX XXXX - {$85.00} XXXX XXXX XXXXXX/XX/year> Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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: AZ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, XXXX the credit reporting agency permanently block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 3 personal credit card accounts, XXXX XXXX # XXXX XXXX XXXX # XXXX. Also, XXXX  # XXXX. An Apartment named The Nines at XXXX collected by XXXX XXXX # XXXX. And an application for rent at XXXX on XXXX collected by XXXX # XXXXThese accounts, collections, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All these accounts, collections, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaints on all accounts mentioned and as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: OK

Complaint narrative:
PayPal transaction # XXXX I tried transferring {$600.00} to XXXX XXXX via paypal. XXXX is not a XXXXXXXX XXXX 
Because he does not have a social security number he is unable to access the money. 
And PayPal seems to refuse to refund it to me so I can find another way of getting the money to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: FL

Complaint narrative:
The existence of these unauthorized accounts and inquiries has caused me significant XXXX  regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX TX XXXX Re : Request for Removal of Closed Account from Credit Report Account Number : XXXX Dear Sir/Madam, I am writing to formally request the removal of a closed account from my credit report. The account in question is with [ XXXX XXXX ] and has been listed as closed, but I believe it is being reported inaccurately or unfairly. The details of the account are as follows : Creditor Name : XXXX Account Number : XXXX Date Account Closed : XX/XX/XXXX This account was closed on XX/XX/XXXX and, since then, I have had no further activity or outstanding balance associated with it. Under the guidelines set forth by the Fair Credit Reporting Act ( FCRA ), I believe this account should no longer be reported on my credit report as it no longer reflects my current credit status. 

I respectfully request that you review this information and remove the account from my credit report. Enclosed are copies of relevant documentation, such as a statement from [ XXXX XXXX ] confirming the closure of the account, for your reference. 

I understand that under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they report. I trust that upon review, you will find that this account should no longer appear on my credit file and will take the appropriate steps to have it removed. 

Please notify me in writing once this matter has been resolved. 

Thank you for your prompt attention to this request. 

Sincerely, 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 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The existence of these unauthorized accounts and inquiries has caused me significant XXXX regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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: NC

Complaint narrative:
Why until now these negative accounts are still here it's been a while since I've done this I have filed a complaint with the ftc for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: TX

Complaint narrative:
On XX/XX/year> XXXXXXXX XXXX I received a text from current stating we block these charges they look to be fraud. Well on XX/XX/year> XXXXXXXX XXXX they let the charge go through. For same merchant same amount. Even through I reply back to fraud alert it was unauthorized. They would not let me dispute until it settled even though they knew it was fraud before they let it go through. It took 3 more days to settle. Then they stated it would be 10 business days for a credit. When I told them of the fraud XX/XX/year> but said no it starts from dispute on a charge they let go through. I notified of the fraud look at the time frames the time I have spent trying to get my money is insane

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

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 XXXXXXXX XXXX Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Unexpected fees — 
Company: DailyPay, Inc
State: IL

Complaint narrative:
Starting from the middle of XXXX until now, I started to receive less and less on my paychecks from my job. Dailypay requests and ( upon early transfer ) an early transfer fee in the amount of {$2.00}. When the early transfer completes, its confirmed that XXXX is taken upon the transfer to the card you have or you your bank. Upon payday, Dailypay takes another XXXX TIMES the number of times you took an early transfer! So they take the same {$2.00} twice. They deny that they do this even with the evidence requested!! They took an XXXX dollar check I had, and gave me XXXX!! This past pay day on XX/XX/year>, they kept my entire check!! They say its their money from now on and it always was! When its really borrowing your own money from the job you work!! Im furious and reported this to the XXXX  with no resolution!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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: NM

Complaint narrative:
i have already submitted my 605c forms through the cfpb, however after following up wiith transunion, they are denying that they have recived any dispuites through the cfpb

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 2024-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: January Technologies, Inc
State: CA

Complaint narrative:
I attended a XXXX XXXX  XXXX presentation with my daughter in the XXXX  of 2024. During that time, I made it explicitly clear that I would consider signing up for their services but never agreed to or provided any credit card information. 

Despite this, I have been bombarded with phone calls, texts, and emails from XXXX. I have repeatedly informed them that I never consented to pay for their services and have not used them at all. Their persistent harassment is unacceptable. I have blocked their phone numbers, yet they continue to reach out to me. 

Recently, I received a notice from a company called " XXXX, '' claiming to collect a supposed overdue balance of {$2200.00} on behalf of XXXX XXXX  XXXX. Let me state unequivocally : I do not owe this amount. I have already emailed them to assert that I have no outstanding debt and demand that they cease all contact with me immediately. 

I refuse to allow these companies to threaten my credit for services I have never used.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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: NM

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 explanation