vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
Starting on XX/XX/2024 I have unauthorized transactions on my account. I disputed all of them, but for some reason the people I spoke too didn't include all of them. 
It is over {$1400.00} in total. This hotel is known from stealing from their guest!! Based on other reviews I've read. The XXXX XXXXXXXX XXXX XXXXXXXX stole over {$1400.00} from me, and venmo couldn't care less!! I can't believe this is happening to me. I can't afford this. They kept on trying to charge my card to get money off of it. If they would look at the transactions that are declined. 
There are cameras ALL OVER THAT PLACE. Why can't they request the videos of who spent this money? I know it was an employee who stole my card. This has stressed me out so much. 
I can't believe this is so hard to get my money back. I will never use venmo again after this experience. I've called twice now.. And got hung up on both times!! I will attach proof of the phone calls. I will also attach a few of the reviews I found online about this hotel stealing from other people. There are XXXX of them!! 
Please don't let this happen to me. I'm a single parent, I can't afford it!! 
How can a card company allow theft to happen?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Upstart Holdings, Inc.
State: CA

Complaint narrative:
SUBJECT : NOTICE OF DISPUTE REGARDING ALLEGED LATE PAYMENT- XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I Hope this letter finds you well. I am writing to formally dispute an alleged late payment on my account as referenced in the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX190 FSUPP 2d 81 ( XXXX XXXX ) AS part of resolving this dispute, I kindly request that you provide me with all relevant internal records verifying the timing of the payment in question specifically, i would like to review any documents, system log, timestamos, and transaction records that prove the date and time when the payment was received and processed by your institution. 

It is critical for me to verify whether the payment was indeed late as claimed. Providing these internal records will help clarify the situation and ensure that all matters are accurately accounted for. 

I look forward to your prompt response and resolution of this matter.please send the requested documents to the address listed above or via email @ XXXX Thank you for your immediate attention to this request sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Please assist me in regards to some negative items that are showing on my report, i already provided the 3 documents the last time you asked me to provide together with the dispute letters and the specific accounts that I wanted to be removed from my report.

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 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Kindly update my account this causing me a lot of stress and 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 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Re : Dispute of Charge-Off Reporting Account Number : XXXX Dear Sir/Madam, I am writing to dispute the inaccurate reporting of a charge-off account on my credit reports with XXXX, TransUnion, and XXXX. The details of the account are as follows : Account Number : XXXX Date Opened : XX/XX/XXXX Account Type : Unsecured Status : Charge Off, {$540.00} Balance Past Due as of XX/XX/XXXX Status Updated : XX/XX/XXXX Accuracy of Reporting ( Section 623 ) Under Section 623 of the Fair Credit Reporting Act ( FCRA ), creditors and debt collectors are required to report accurate and complete information to credit reporting agencies. This account was charged off in XX/XX/XXXX. However, the balance due is still being updated to {$540.00} as of XX/XX/XXXX, which indicates inaccurate reporting. The account status has been incorrectly updated with an outstanding balance, despite the charge-off status. 

Duty to Update ( Section 623 ) According to Section 623 ( a ) ( 2 ) of the FCRA, creditors must correct any inaccuracies or incomplete information. If an account is charged off, it should be reported as such and not updated with ongoing balances. The account has been reported as a charge-off multiple times, but it still shows a balance due, suggesting that the account status is not accurately maintained. 

Information Retention ( Section 605 ) Under Section 605 of the FCRA, negative information such as charge-offs can remain on a credit report for up to seven years from the date of the original delinquency. However, once charged off, the account should no longer show an ongoing balance. This account continues to show a balance, which is not in compliance with the FCRAs reporting requirements.

Dispute Process ( Section 611 ) I am exercising my right under Section 611 of the FCRA to dispute the inaccurate information reported. I request that you investigate this matter and correct the inaccuracies on my credit report. The continued reporting of this charge-off with an outstanding balance constitutes a misuse of my credit report and a violation of multiple FCRA regulations. 

Please remove the incorrect balance from my credit report and update the account status to reflect the correct charge-off information. I expect a prompt resolution to this matter. Please confirm the correction by mail or email at the addresses listed above. 

Thank you for your immediate attention to this matter. 

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 non-monetary relief
Consumer complaint received 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.

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 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have sent multiple letters of Method of Verification /validation. On XXXX XXXX, XX/XX/year>, XX/XX/year>, and XXXX XXXX for the accounts XXXX XXXX XXXX XXXX Company had yet to send me the information I have requested per consumer Laws I have the right to receive the notification of the process it took to validate these debts. Please disclose the responses for the below questions. 

1.Who was interviewed that verified this debt, 2.How did you come to this determination?

This is a violation of the fair credit reporting act and willful non compliance by neglecting the fact that I am requesting the Verification and validation methods

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 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.

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 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
MY NAME IS XXXX XXXX XXXX XXXX XXXX XXXX SS # XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX have looked at my credit report and I have noticed fraudulent credit card ACCOUNT NAME XXXX BANK ACCOUNT XXXX : XXXX I HAVE RECENTLY DISPUTED THIS ACCOUNT THE ACCOUNTS WAS VERIFIED AS ACCURATE. i ask how can this account be verified accurate with no proof of procedure of investigation and ALSO MY CONSENT WAS NEVER PERMITTED TO COMPANIES INVOLVED IN THIS DIPUTE TO FURNISH MY CREDIT PROFILE USC 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies USC 1681i PROCEDURE IN CASE OF DISPUTED ACCURACY 18 USC 1341 FRAUDS AND SWINDLES ALSO THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE /LAST REPORTING DATE/BALANCE/PAYMENT HISTORY/ACCOUNT STATUS IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL. 

I ASKED FOR A PROPER INVESTIGATION TO BE DONE, BUT THERE IS NO PROOF OF INVESTIGATION I DEMAND AS A FEDERALLY PROTECTED I DEMAND THIS ACCOUNT TO DELETED THANK YOU 15 USC 1681 E ( B ) & 15 USC 1681 1 ( 5 ) 15 U.S. Code 1681c1 - Identity theft prevention ; fraud alerts and active duty alerts 15 U.S. Code 1681c2 - Block of information resulting from identity theft 18 U.S. Code 1038 - False information and hoaxes

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 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
MY NAME IS XXXX XXXX XXXX XXXX XXXX XXXX SS # XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX have looked at my credit report and I have noticed fraudulent credit card ACCOUNT NAME XXXX BANK ACCOUNT XXXX : XXXX I HAVE RECENTLY DISPUTED THIS ACCOUNT THE ACCOUNTS WAS VERIFIED AS ACCURATE. i ask how can this account be verified accurate with no proof of procedure of investigation and ALSO MY CONSENT WAS NEVER PERMITTED TO COMPANIES INVOLVED IN THIS DIPUTE TO FURNISH MY CREDIT PROFILE USC 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies USC 1681i PROCEDURE IN CASE OF DISPUTED ACCURACY 18 USC 1341 FRAUDS AND SWINDLES ALSO THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE /LAST REPORTING DATE/BALANCE/PAYMENT HISTORY/ACCOUNT STATUS IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL. 

I ASKED FOR A PROPER INVESTIGATION TO BE DONE, BUT THERE IS NO PROOF OF INVESTIGATION I DEMAND AS A FEDERALLY PROTECTED I DEMAND THIS ACCOUNT TO DELETED THANK YOU 15 USC 1681 E ( B ) & 15 USC 1681 1 ( 5 ) 15 U.S. Code 1681c1 - Identity theft prevention ; fraud alerts and active duty alerts 15 U.S. Code 1681c2 - Block of information resulting from identity theft 18 U.S. Code 1038 - False information and hoaxes

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
MY NAME IS XXXX XXXX XXXX XXXX XXXX XXXX SS # XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX have looked at my credit report and I have noticed fraudulent credit card ACCOUNT NAME XXXX BANK ACCOUNT XXXX : XXXX I HAVE RECENTLY DISPUTED THIS ACCOUNT THE ACCOUNTS WAS VERIFIED AS ACCURATE. i ask how can this account be verified accurate with no proof of procedure of investigation and ALSO MY CONSENT WAS NEVER PERMITTED TO COMPANIES INVOLVED IN THIS DIPUTE TO FURNISH MY CREDIT PROFILE USC 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies USC 1681i PROCEDURE IN CASE OF DISPUTED ACCURACY 18 USC 1341 FRAUDS AND SWINDLES ALSO THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE /LAST REPORTING DATE/BALANCE/PAYMENT HISTORY/ACCOUNT STATUS IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL. 

I ASKED FOR A PROPER INVESTIGATION TO BE DONE, BUT THERE IS NO PROOF OF INVESTIGATION I DEMAND AS A FEDERALLY PROTECTED I DEMAND THIS ACCOUNT TO DELETED THANK YOU 15 USC 1681 E ( B ) & 15 USC 1681 1 ( 5 ) 15 U.S. Code 1681c1 - Identity theft prevention ; fraud alerts and active duty alerts 15 U.S. Code 1681c2 - Block of information resulting from identity theft 18 U.S. Code 1038 - False information and hoaxes

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 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

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 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

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 2024-08-16 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
Car was repossessed without any notice. Car was taken during the night while I was sleeping, then was told to pay high amount at towing company to release it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dear Third Party Credit Bureaus Experian, XXXX XXXX XXXX XXXX : Dispute Regarding Unauthorized Disclosure of Nonpublic Personal Information under 15 U.S.C. 6802 I am writing to formally dispute the unauthorized disclosure of my nonpublic personal information by XXXX XXXX XXXX Under the provisions of 15 U.S.C. 6802, I am entitled to privacy protection regarding my personal financial information, and it has come to my attention that this right has been violated. 
On, XX/XX/year> became aware that my personal financial information was disclosed to XXXX XXXX without my consent and without providing me the opportunity to opt out, as required by federal law. This disclosure was done in violation of 15 U.S.C. 6802, which mandates that financial institutions provide a clear and conspicuous notice of their privacy policies and obtain explicit consent or provide an opportunity to opt out before sharing such information with nonaffiliated third parties. Notification of Negative Information ( 15 U.S.C. 1681c-1 ) : Financial institutions are required to notify consumers within 30 days if they furnish negative information to a consumer reporting agency. 

I demand that you take the following actions immediately : XXXX. Cease and desist any further unauthorized disclosure of my nonpublic personal information. 
XXXX. Provide a detailed explanation of how my personal information was shared, including the specific information that was disclosed, the identity of the parties who received it, and the purpose for which it was disclosed. 
XXXX. Rectify any adverse effects caused by this unauthorized disclosure, including but not limited to, contacting the third parties involved and ensuring the removal of my information from their records. 
XXXX. Provide written confirmation of the steps you have taken to address this issue and ensure that such an unauthorized disclosure does not happen again in the future. 
Please treat this matter with the utmost urgency. If I do not receive a satisfactory response within [ reasonable timeframe, such as 30 days ], I will have no choice but to escalate this issue to the appropriate regulatory authorities and consider taking further legal action to protect my rights. 
I trust that you will address this matter promptly and seriously. I look forward to your timely response. 
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 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I checked my credit reports ( XXXX, and Transunion ) and saw a XXXXXXXX XXXX XXXX account past due in the amount of {$720.00} that I did not authorize opening or adding in my name. I contacted the XXXX multiple times in writing, letting them know that I was the victim of identity theft and I did not request this account and to remove this account, but they refused to even investigate the matter, stating, " My letters sounded like it was coming from a credit repair company. ''

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