vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-17 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: DE

Complaint narrative:
Warning Regarding Stall Tactics in Credit Dispute Investigations To Whom It May Concern, I am writing to formally notify you that I am fully aware of the use of stall letters as a tactic to delay the proper investigation of credit report disputes under the Fair Credit Reporting Act ( FCRA ). I want to be clear that any attempts to use such tactics will be considered a violation of my rights as a consumer under the FCRA.

I have provided all the necessary documentation to verify my identity and the legitimacy of my disputes, including [ list documents : copy of ID, social security card, proof of address ]. Therefore, I expect that my dispute will be properly investigated within the timeframe mandated by the FCRA.

FCRA 1681i requires that credit reporting agencies conduct a reinvestigation of disputed items, and failure to do so in a timely and thorough manner will result in a legal response to protect my rights. I will not tolerate any attempts to delay or avoid a legitimate investigation through the use of unnecessary or unwarranted stall tactics. 
Please ensure that this matter is handled swiftly and in compliance with federal regulations. If my rights are violated again by any further stall tactics, I will pursue legal action to seek appropriate remedies under the law. 
Thank you for your prompt attention to 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 non-monetary relief
Consumer complaint received 2024-11-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts on my report, theyre hurting of my ability to obtain credit. 

Account name : XXXX  XXXX Account Number : XXXX Amount : {$480.00} Account name : XXXX XXXX  Account Number : XXXX Amount : {$520.00} Account name : XXXX XXXX Account Number : XXXX Amount : {$7200.00} Account name : XXXX Account Number : XXXX Amount : {$480.00} Account name : XXXX  Account Number : XXXX Amount : {$340.00} Account name : XXXX  Account Number : XXXX Amount : {$4500.00}

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 2024-11-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: IL

Complaint narrative:
All of there ATM machines were down/offline on XX/XX/year> between XXXX XXXX XXXX except for XXXX inside the double PNC Doors. I deposited XXXX x {$100.00} bills = {$1000.00}. I receive a message the funds cant be deposited due to exceed max daily deposit and the disburse door opened up and nothing came back out. I called customer service immediately while in front of the ATM. They created a case number but did provide a provisional credit

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-17 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:
XXXX XXXX has recorded a loan in my name for over {$40000.00}. The first I was aware of this I noticed a change in my credit report. When I inquired with the company by telephone they explained they are a finance company to provide financing to the homeowner through the merchant providing the service or product. 

I informed them I had not made any purchase for home improvement and nor signed any contract for the same. XXXX XXXX said I would have to contact the merchant. As this merchant is in Florida and I live in Arizona and I do not own property in Florida there was no reason for me to contact the merchant. 

Subsequently, XXXX XXXX has filed multiple derogatory information with credit agencies. Seriously affecting my credit score. Their claim is I have made either no payments or the payment is overdue. They have done nothing to correct their error. 

I have filed complaints with Equifax on this matter but this matter remains open.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: IL

Complaint narrative:
This is XXXX XXXX I never log into my chime account I just have my cards on my XXXX XXXX. Also I used the card at the ATM through XXXX XXXX on a new version atm. I shortly had got a email that day from XXXX saying you payment is declined. I tried to logg back into my account and notice XXXX dollar was gone. I was going to buy me an electric car so I can be able to see my daughter. Now I can not see her and if I dont get my parenting to the court well not allow me to have her full time. I also received text from her and somebody that knows her. I dont know what to do can you please tell me what are the steps. XXXX XXXX and with XXXX XXXX XXXX child. I just got out of foster care and I dont start work until next month. I was going to use the car so I can be able to pick up shifts to pay my rent now I dont have the money to pay rent please do something please thank you. They said my dispute was denied because I paid to a friend. How was that my friend if I never send money to this person or talk to this person

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 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: AR

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. 

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 explanation
Consumer complaint received 2024-11-17 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:
I cosigned a XXXX auto lease with XXXX as a favor for a friend in XX/XX/XXXX. The vehicle was never in my possession, but I personally made sure all the scheduled payments were made on time even after I left the XXXX in XX/XX/XXXX. There was an accident when I was overseas, and I am told that this resulted in a dispute with a local dealer when the car was surrendered to the XXXX dealer at the end of the lease regarding repairs that were done by an unaffiliated garage. 
When I got turned down for a credit card due to negative information on my credit report. I got copies of my three reports and learned of the problem. The reports each contained conflicting information pertaining to the same lease. I have independently asked each of the credit bureaus to verify the information, and each of the credit bureaus have since informed me that they contacted XXXX and informed me of changes they have made updating their information on the lease. Several gross inaccuracies have been removed in the process, but the reports still contain reported late payments that are in conflict with one another for several months in XXXX. This was a period after the XXXX lease should have expired in XX/XX/XXXX. 
As a XXXX party to the dispute, I still do not really know what occurred since my now ex-friend and I do not communicate due to this matter. However, federal law requires that the information contained on my credit reports to be accurate and at least two of the three reports would have to be inaccurate since the three do not agree on the payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: OR

Complaint narrative:
Identity was stolen in the year XXXX  have discovered since then several accounts and loans were taken out in my name without my knowledgeM Also discovered that someone committed identity theft in my name and check fraud in my name. A thorough police investigation was done and I have been cleared all in any charges. Now Im trying to clear all the debts that were and loans that were taken out in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
The seller, XXXX XXXX posted a sell ad on XXXX XXXX, selling a handbag YSL- {$850.00}. I made the transfer in PayPal to account under XXXX, XXXX ( a XXXX account ). The seller claim that the account is under her fathers name. I made the transfer on XX/XX/XXXX. I contacted the seller on the status of the shipping. Her shipping XXXX, XXXX XXXX XXXX requested a refundable insurance payment of {$350.00} in XXXX gift card before they ship the bag from Pennsylvania to Virginia. They told me that I would get {$330.00} refunded to me once the bag is delivered. I sent the gift card via email on XX/XX/XXXX. On XX/XX/XXXX, they asked me to send {$830.00} for VAT tax fee since the bag is luxury item. Again, they wanted the payment in gift card. I told them that they should send my {$350.00} back since I knew then this was a scam. 
I contacted the seller, XXXX, and told her to contact the carrier requesting the bag to be returned to her. I will arrange a friend to pick up the bag in Pennsylvania, where she lives. She told me that her bag is being held by authorities and she cant get it back until the VAT tax is paid. She offered to pay the tax, and that I only have to reimburse her {$400.00} in gift card. I told her that I wont make anymore payment on this purchase and that I will contact the authorities to this scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
EQUIFAX is illegal reporting charge-off/collection accounts on my credit report. These said accounts are considered a certificate of indebtedness and therefore deemed income, per IRS Publication 4681. Erroneous reporting violates federal regulations, including the Fair Credit Reporting Act ( FCRA ) and The Privacy Act of 1974. Charge-offs/collections are considered as income per IRS Publication 4681 and should not be included in consumer reports, as explicitly mandated by federal regulations. However, Equifax has inaccurately reported this income, breaching the FCRA and IRS guidelines. This misleading reporting not only misrepresents my financial standing but also infringes upon federal regulations designed to ensure accurate and fair reporting to consumers. Despite my attempts to rectify this issue directly with Equifax by disputing the inaccurate information on my consumer report, the erroneous reporting has not been rectified. This continued misreporting has substantially hindered my ability to access credit and financial opportunities. Furthermore, Equifax 's actions violate several federal statutes. Moreover, it directly contravenes federal laws aimed at protecting consumer privacy and ensuring fair and accurate credit reporting. I respectfully request the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against Equifax for their egregious violations of federal statutes. Additionally, I seek immediate rectification of the inaccurately reported information on my consumer report to mitigate the ongoing financial and emotionaXXXX XXXX caused by above actions. Thank you for your attention to this matter. I eagerly await your prompt response and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
I am requesting names and addresses listed be updated and in correct names and addresses be removed frlm.my credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
EQUIFAX is illegal reporting charge-off/collection accounts on my credit report. These said accounts are considered a certificate of indebtedness and therefore deemed income, per IRS Publication 4681. Erroneous reporting violates federal regulations, including the Fair Credit Reporting Act ( FCRA ) and The Privacy Act of 1974. Charge-offs/collections are considered as income per IRS Publication 4681 and should not be included in consumer reports, as explicitly mandated by federal regulations. However, Equifax has inaccurately reported this income, breaching the FCRA and IRS guidelines. This misleading reporting not only misrepresents my financial standing but also infringes upon federal regulations designed to ensure accurate and fair reporting to consumers. Despite my attempts to rectify this issue directly with Equifax by disputing the inaccurate information on my consumer report, the erroneous reporting has not been rectified. This continued misreporting has substantially hindered my ability to access credit and financial opportunities. Furthermore, Equifax 's actions violate several federal statutes. Moreover, it directly contravenes federal laws aimed at protecting consumer privacy and ensuring fair and accurate credit reporting. I respectfully request the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against Equifax for their egregious violations of federal statutes. Additionally, I seek immediate rectification of the inaccurately reported information on my consumer report to mitigate the ongoing financial and emotional XXXX  caused by above actions. Thank you for your attention to this matter. I eagerly await your prompt response and resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-17 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: NC

Complaint narrative:
I'VE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE ACCOUNTS REPORTING ......

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 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: NC

Complaint narrative:
I'VE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE ACCOUNTS 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 explanation
Consumer complaint received 2024-11-17 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: OneMain Finance Corporation
State: NV

Complaint narrative:
My credit report has 2 inquirys that I did not open any accounts with.

There is a fraud alert on my credit report because of identity theft that was suspected by my bank ( XXXX ) The first inquiry i need removed one is One Main Financial. There is no open account associated with this bank. I did not give them permission to run my credit. I tried calling them, no response. I believe this is fraudulent The 2nd inquiry I would like removed is XXXX XXXX XXXX  I did not authorize XXXX XXXX XXXX permission to run my credit. There are no open account associated with bank. I believe it is fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNT : # XXXX FROM XXXX XXXX XXXX XXXX XXXXXXXX FROM XXXX XXXX XXXX, HAS VIOLATED MY RIGHTS.

15 U.S.C 1681 SECTION 602A. STTAES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604A SECTION 2 : II ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A 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 2024-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNT : # XXXX FROM XXXX XXXX XXXX XXXX XXXXXXXX FROM XXXX XXXX XXXX, HAS VIOLATED MY RIGHTS.

15 U.S.C 1681 SECTION 602A. STTAES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604A SECTION 2 : II ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I applied for a Freedom Chase interest free credit card in late XX/XX/2024. I was immediately approved. The balance transfer amount was for {$3100.00} to XXXX XXXX XXXX. I assumed that the transaction was made. I received statements from Freedom chase with a {$3200.00} balance - the transfer amount along with the transfer fee ; however, I was also getting statements from XXXX XXXX XXXX  with no transfer balance applied. My husband and I started calling both companies and after several conversations, discovered it was Freedom Chase Visa that failed to pay the transfer amount. In other words, I have been paying both cards- one XXXX XXXX XXXX for the amount I owed them and to Freedom Chase for nothing!!! I have asked my card be canceled and be reimbursed and it is always the same- " It will be taken care of in 10 to 12 business days. '' I want this matter resolved and I will never apply for a Chase credit card again! 

Frustrated, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Paramount GR Holdings, LLC
State: DE

Complaint narrative:
Goodleap LLC close case XXXX with a check that cover remove and reinstall the solar panels to the roof correctly That check does not cover all the damage to the roof, I call Goodleap LLC before the check was appove, because the roof have to be inspect for a cost for repair as well, Goodleap LLC have statement about the roof damage, another manager from Goodleap LLC have take over the case, but stop respond to my e-mail and call, They sent me a page to add on to the contract about the cost of the roof after asking for this information over a year 1/2 ago after all of the complaint i have file, i was told by Goodleap LLC there was no roof work done only solar panels

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
LVNV Funding is trying to sue me for someone else 's debt. The name of the person is spelled different than mine, from a city and state that I never lived in. I think LVNV Funding should have investigated further before filing a case against me. I am not paying someone else 's debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 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: AR

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. 

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 2024-11-17 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: NC

Complaint narrative:
The items below are inaccurate and violate the Fair Credit Reporting Act 15 USC 1681e ( b ). Additionally under 15 USC 1681b ( a ) ( 2 ) you have shared my confidential information without my permission, breaching my privacy rights as per 15 USC 1681 a ( 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