vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
On XXXX I sent letters due to inconsistencies and inaccurate information reporting on my account. I specifically requested for any accounts that were not reporting 100 % accurate to be deleted. I sent a description of each account and the item that was reporting incorrectly. To my surprise, when I reviewed my credit report again, the incorrect items were continued to reflect on my credit report nor has anything on my credit report been updated to reflect the correction. I sent letters again on XX/XX/XXXX informing you that these items should be re-investigated, updated or deleted because no changes were made to my profile. Since then, I continued to send letters to the bureau as well as the creditors requesting validation and proof that this information was reporting correctly, but nothing has been resolved or updated to date. This has been an ongoing issue. I pulled my report again and it is now XX/XX/XXXX and these errors are STILL showing on my credit report. This is a violation of my rights as a consumer and my concerns are not being addressed. The creditors do not have authorization to access the account nor authorization to attempt to collect on the account and the inaccurately reporting accounts continue to negatively affect me. Please remove the following accounts from my credit profile. XXXX XXXX Account Number : XXXX, XXXX  Account Number : XXXX, XXXX XXXX XXXX  XXXX Account Number : XXXX. According to the FCRA, The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). The information provided is NOT correct which goes against the FCRA and must be deleted for inaccurate reporting

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 2023-08-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
I hope this message finds you well. I am writing to express my deep concern and disappointment regarding the permanent limitation imposed on my PayPal account ( XXXX ). I firmly believe that this limitation has occurred due to an unfortunate misunderstanding or technical error. 

I would like to emphasize that, to the best of my knowledge, I have not committed any actions that violate PayPal 's policies or terms of use. I have always been committed to upholding the integrity of the PayPal platform in all of my transactions and interactions. It is distressing to me that my account has been limited, and I am left without the ability to access the services that PayPal provides. 

I kindly request PayPal to thoroughly re-investigate my case. I am confident that a closer examination will reveal that there has been a misunderstanding. If any discrepancies have been noted, I am more than willing to provide any necessary documentation or information to clarify the situation. It is of utmost importance to me to have my account reinstated so that I can resume utilizing PayPal for my legitimate transactions. 

I understand the need for PayPal to maintain a secure and trusted platform for all users, and I fully support these efforts. However, I am convinced that my account 's limitation is the result of an error or misinterpretation. I respectfully ask that you reconsider the limitation and restore my account as soon as possible. 

I appreciate your time and attention to this matter. I look forward to a positive resolution and the opportunity to continue using PayPal 's services. Please feel free to contact me at [ Your Contact Information ] if any further information is required from my end. 

Thank you for your understanding and prompt assistance in this regard.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act these Convergent Accounts listed below has violated my rights : 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 XXXXXXXX

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 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, 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:
This is a part of an ongoing issue with this company. Today, I received a letter in the mail from XXXX XXXX, dated XX/XX/2023, that states as a part of the " Equal Credit Opportunity Act '' that an appraisal may be ordered to determine my property 's value as a part of the " loss mitigation '' process and I will be charged for this appraisal. ( See letter attached ) However, I never authorized this company to process a loss mitigation of anything, nor did I approve my credit to be ran, or an appraisal to be ordered. I have turned in several reports regarding the illegal practices of this company, yet, this company continues to ignore federal legislature, underwrite according to their own guidelines completely negating federal legislature along with XXXX XXXX and XXXX XXXX guidelines. 

I have another complaint currently open with regards to them not handling my loan according to federal guidelines pertaining to the CARES act for COVID forbearance ( see complaint # XXXX, submitted XX/XX/2023 ) and am under the assumption that this letter may be a continuance from this company refusing to defer ( tack on to the back of my loan ) my COVID forbearance amount. However, this letter indicates " recent document submission '' and I have submitted nothing to this company other than the filed complaint with them that I also lodged with CFBP ( referred to above ). 

There should be no credit being pulled, and no appraisal being ordered, as a loss mitigation request was never submitted nor authorized by me. I will not be ordered to pay for an appraisal as that is NOT required according to CFPB guidelines for the CARES act, nor should my credit have been pulled for any reason. I am NOT modifying this mortgage, refinancing this mortgage, or accepting any kind of loss mitigation practice to be applied to this mortgage, as that is NOT a requirement of the CARES legislature. 

Please provide confirmation that this letter was sent in error : credit was not pulled, appraisal was not ordered, etc. Any pulls should be removed from my credit report and any appraisal that may have been ordered will fall as an expense to this company, as I did not authorize any of these methods nor are they required per the CARES act. I am exhausted with the back and forth with this company regarding their refusal to follow federal legislature regarding the COVID CARES act. 

I can only imagine how many other borrowers are dealing with, have dealt with, or have just accepted their non-sense and tyranny regarding improper handling and underwriting of loans. If XXXX can not follow the guidelines set forth by feds, XXXX, and XXXX, their license to give loans, service loans, etc., should truly be revoked. No one should have to continuously deal with this kind of madness on a consistent basis like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I kindly urge you to remove this inaccurate account from my credit report, as it does not belong to me and I did not provide authorization for its existence. I have taken the liberty of providing you with the necessary documents to substantiate my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, 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: WA

Complaint narrative:
I've been in the process of educating and correcting my credit scores as required by the banks for my new LLC 's business line of credit and loans. Upon deeper investigation with Equifax, I've encountered XXXX unauthorized and/or fraudulent hard inquiries. 

They are : XXXX XXXX XXXX XX/XX/2023 XXXX  XXXX XXXX XXXX XXXX XX/XX/2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
I am composing this dispute letter on my own behalf. Please be aware that I am well-informed about my rights, as I have recently familiarized myself with US laws . I am aware that, under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), I have the right to safeguard my privacy and medical records from third parties. It is important to clarify that I do not grant any third-party collection agency access to my personal financial information. While I acknowledge that HIPAA allows for limited disclosure of information about me, such details may only be disclosed with the patient 's explicit authorization. Consequently, my request comprises two aspects as outlined below :

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 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, 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: NJ

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.

The letters are stated with items and issues.

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
Consumer complaint received 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am earnestly appealing to you to eliminate this entry from my credit report as it does not belong to me and is entirely fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
The following accounts were opened frauduantly, please delete as the information reporting to my report is false and identity theft. 

XXXX XXXX card services {$1200.00} opened XXXX XXXX XXXX card services {$5300.00} opened XX/XX/XXXX XXXX XXXX XXXX {$11000.00} opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened {$38000.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$2500.00} opened XX/XX/XXXX XXXX XXXX {$4500.00} opened XX/XX/XXXX XXXX XXXX {$1300.00} opened XX/XX/XXXX XXXX XXXX XXXX {$7400.00} opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$1000.00} opened XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
CFPB COmplaint what happened In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 15 U.S.C. 1681 section 602 ( a ) ( 4 ) : States I have the right to privacy. 15 U.S.C. 1681b 604 ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
CFPB COmplaint what happened In accordance with the Fair Credit Reporting Act Convergent Account XXXX XXXX XXXX XXXX, XXXX XXXX ******, XXXX  XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX has violated my rights. 15 U.S.C. 1681 section 602 ( a ) ( 4 ) : States I have the right to privacy. 15 U.S.C. 1681b 604 ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-08-16 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
The company name Is. Bank of America, ( XXXX ) someone withdrew. {$1000.00} from the atm in XXXX XXXX than another {$1000.00} in ( XXXX ) than another on ( XXXX ) {$1000.00} the total amount $ XXXX have spoken too many times to the claim department for the evidence that they claim they have on file I have requested for them to send me the evidence 3 times the most recent is ( XXXX ) they say they send it but I have not got anything from them, I also submitted to them my passport and a police report and they keep denying my claim, they close it and still have not send me anything I have told them multiple times that it's not me and at this point they are denying me of my rights for the documentation that they say they have because it's not me and I keep telling them that but they said that they don't communicate with the back office nor they don't communicate with the detectives were I submitted my police report so how do they keep denying my claim it makes no sense it's been a month and still nothing I am a XXXX mother who got her money taken away and Bank of America is not doing their job properly I need additional help, all the calls get recorded and if you are able to listen to my conversations with them you will see that I had to communicate with two supervisors already from the claims department because they have not send me my evidence and some of the claim department people were so confused that they kept on not submitting the correct paperwork that I needed, I have never experience such unprofessional communication I wonder how many people Bank of America have done this to.

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 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have hard inquires on my credit report that I did not authorize. XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XX/XX/XXXX. Some one tried to use my identity for a car loan. During that time i was able to freeze my accounts, but the inquiries are still showing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to 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 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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