vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-29 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: NC

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered 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 2024-11-29 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: MS

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern.

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 2024-11-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
BANK : CITI CARD : CITI VISA CREDIT CARD ( with COSTCO membership ) ISSUE WITH SMARTPHONE APP The CITI app for an XXXX accepts payments. 
The problem : The amount due to pay the most recent statement balance IS ALWAYS LESS than the amount shown on the statement. 
amount Opinion : If I only paid the amount shown on the " Pay last statement balance '' that is displayed on the I-phone app, I would not be paying the true last statement balance and would, as a result, incur interest charges. I have reported this previously to CITI Bank over several months but the problem has not been corrected. Therefore I am of the opinion it is a deliberate attempt by CITI Bank to force card users to pay interest even when it appears to the card user that they have paid their statement balance in full. 

On my most recent statement the printed statement balance due is {$2400.00} The app payment screen " PAY LAST STATEMENT BALANCE '' is {$2400.00}, an underpayment of {$23.00} which would result in variable interest charges of 19.74 % being applied to the entire {$2400.00}. 

I think CITI Bank is continuing this fraudulent practice deliberately.

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 2024-11-29 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: FL

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered 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 explanation
Consumer complaint received 2024-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Spring Oaks Capital, LLC
State: PA

Complaint narrative:
I ask XXXX to verify and provide me whit my original sign contract whit SPRING OAKS CAPITAL LLC because a im not liable for this account they said is verify and update but never provided me whit proof

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-11-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
In XX/XX/2024 I suddenly lost my job due to the company I was working for decided to no longer contract with the client company I was working at and therefore was laid off. Since then I have been struggling to pay all bills as I have been unemployed and only finding work perdiem ( as needed ) so therefore I was not able to make the monthly payments due. I contacted Bank of America credit card customer service to inform them of my financial hardship, but I was informed by a representative that there was nothing that could be done as they dont have any programs for those undergoing financial hardship. The only thing they did was refer me to a XXXX party company ( XXXX XXXX  ) company. I contacted the company and underwent an assessment of expenses I have to pay monthly. After the assessment, I was told that my monthly expenses and bills exceeded my monthly income and just pay what I can afford on the credit card bill until my income status gets better. This did not resolve my issue as the monthly bill increased and APR interest rates increased making it even more difficult to pay. I called back Bank of America credit card company and complained that the company they referred me to did not help me, all the representative of Bank of America did was apologize profusely and that was all, so still my problem remains and I am completely devastated that as a loyal customer of Bank of America for 20plus years they refuse to give me grace and help. This is injustice and a disgrace that Bank of America represents themselves in such a manner. I need help to resolve this issue immediately.

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 2024-11-29 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: NV

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-29 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: NV

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-11-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Consumer Adjustment Company Incorporated
State: TX

Complaint narrative:
I used to have XXXXXXXX XXXX as my home internet provider. XX/XX/XXXX I called and cancelled service since XXXX XXXX XXXX was offering fiber internet. I was told on the phone call the early termination fee of XXXX would apply for canceling 4 months early and I said no problem since it was being covered by the new internet provider. The agent send me via email from XXXX a statement invoice XXXX. Total was XXXX for early termination fee. When I went to make the payment On XX/XX/XXXX I send out a check via mail since my online profile wasnt active. It included the statement slip with my account information and the check number XXXX for XXXX dollars .The agent also said I would get a final bill in the mail or email. Which I never received any communication from XXXX from that day on for any, I never received any phone call, email, or mail from XXXX that anything else was owed and I was sure my check paid everything, my address, phone number and email have not changed. On XX/XX/XXXX I received a credit alert that the company of Consumer Adjustment Company , Inc ( CACi ) posted to my credit a collections account for XXXX dollars. In the notes it says it was for XXXX XXXX  I immediately called XXXX  and spoke with multiple people in the billing department and they are unsure why I never received any update via email from their automated system like people do they say in regards to my account balance. I gave XXXX my check number along with the date and they were unable to locate it and say that thier processing may have lost it. The balance was paid in full through XXXX  and I was emailed a receipt. Collections account is something I can not have on my credit report due to my job. And it is something I can face termination for. The company CACI needs to removed this account from my credit report entirely to not have a negative impact on my credit and job. I have never been delinquent or have had anything negative on my credit report for anything. This will effect my job tremendously and its the last thing we need since Im the main income for my wife and kids. If at anytime the company XXXX communicated that this balance was never paid or past due it would of been rectified immediately. Finding out almost a year later by only finding it on my credit report is poor business and poor customer service. XXXX really dropped the ball and needs things to change so this doesnt happen to someone else doing the right thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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:
I am writing to dispute an inaccurate collection account listed on my credit report. The account details are as follows : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Original Creditor : XXXX XXXX XXXX  Balance : {$190.00} Under the Fair Credit Reporting Act ( FCRA ), all information reported on a credit file must be accurate, verifiable, and complete. I have reviewed this account and believe it violates these requirements for the following reasons : 1. Lack of Validation : The debt collector has not provided sufficient evidence of the debts validity, as required under the FDCPA ( 15 U.S.C. 1692g ). 
XXXX. Incomplete Reporting : The reporting does not include detailed documentation, such as a signed agreement with the original creditor XXXX XXXX XXXX XXXX ), to substantiate the debt. 
XXXX. Possible Inaccuracy : I do not recognize this account, and its details are inconsistent with my records. 
I request an immediate investigation into this matter. If the account can not be verified with proper documentation within 30 days, I ask that it be removed from my credit report under FCRA Section 611 ( a ).

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 2024-11-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
In reference to closed complaint XXXX additional comments provided : A letter was received from PRAXXXX XXXX on XX/XX/XXXX about a Stipulated Final Judgement and Order with the Consumer Financial Protection Bureau ( attached ) regarding PRA, XXXX  debt collection and dispute handling practices for the account in question with a refund check for {$39.00} based on receiving communication from PRA, XXXX representing the validity or amount of an unsubstantiated debt before PRA, XXXX substantiated the debt. This adds a bit of confusion and uncertainty of the validity of the suit as the original Judgment XXXX was filed before the debt was substantiated by PRA, XXXX as per the Stipulated Final Judgement and Order with the Consumer Financial Protection Bureau identified by PRA, XXXX and the refund check provided by PRA, XXXX on XX/XX/XXXX for payments I made in XXXX after the Judgement was filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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: AL

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-29 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: TX

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-29 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: IL

Complaint narrative:
Please block and remove the unauthorized accounts from my credit report as soon as possible. I did not authorize or initiate these accounts and have no knowledge of their origins. Pursuant to USC 1681g, I am requesting their removal within 15 days. I have included the necessary documents for your review and reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
I bank with PayPal online and I sold an XXXX on XX/XX/XXXX. The buyer waited awhile before filing a dispute saying it was damaged. Well come to dind out the buyer actually lied and shipped the XXXX again oversea to XXXX XXXX from XXXX, Florida. I boughtXXXX XXXX through PayPal to ship fine from XXXX, VA to XXXX, FL which it was delivered fine before buyer had someone in Florida ship it outside the US. Well PayPal knows all this PayPal been made aware of all this and alot with email proof and more yet PayPal stripped the funds out of my account and is holding them even though they found the case in my favor they won't release them and they are not paying me any interest on holding hundreds dollars of mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Upon Reviewing my consumer report I noticed inquires that I did not make nor did I approve anyone to my credit report. My information was impact by Equifax Breach

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 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: PA

Complaint narrative:
I am writing to formally request that you block and delete all accounts listed below from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a recent data breach. These accounts were opened or reported without my knowledge or consent, and I believe they are the result of fraudulent activity.

Please ensure that the following accounts are blocked, deleted, and marked as " fraudulent '' on my credit report : Accounts to be blocked and deleted : 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 2024-11-30 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: PA

Complaint narrative:
I am writing to formally request that you block and delete all accounts listed below from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a recent data breach. These accounts were opened or reported without my knowledge or consent, and I believe they are the result of fraudulent activity. 
Please ensure that the following accounts are blocked, deleted, and marked as " fraudulent '' on my credit report : Accounts to be blocked and deleted : 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 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 2024-11-29 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: TX

Complaint narrative:
Unauthorized and fraudulent entries persist on my consumer report despite my documented identity theft claims. Your continued reporting of these items violates federal identity theft protection laws and 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