vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-18 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: Early Warning Services, LLC
State: AL

Complaint narrative:
Early responded to a identity theft block on XX/XX/24. See CFP Complaint # XXXX. The accounts for XXXX and XXXX XXXX  came back as accurate. Early Warning is now required to provide the method of verification which includes contracts with my signature and actual verifiable evidence of the alleged transaction that it is reporting. Please also disclose any authority beyond the judicial estoppel ( deed of title ) that is on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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: AR

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX score. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.

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 2024-09-18 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: MI

Complaint narrative:
I urge you to take immediate action to remove these unauthorized accounts from my credit report. Their presence is distressing, and I did not approve them. Please address this without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: ID

Complaint narrative:
I co-signed for an employee to obtain housing near her employment ( XXXX XXXX XXXX, XXXX, XXXX  ). It was a 12 month lease beginning XX/XX/XXXX to XX/XX/XXXX. She failed to pay the final XXXX  months of her contract ( approx {$1800.00} per mo ). More than 18 months after she moved out, I started receiving calls from the apartments and ultimately from IQ International ( collections ) informing me that I owed {$13000.00}. I had asked for a WRITTEN document to be mailed to my home in mid XXXX as I had NEVER received notification that their tenant ( my former employee ) had missed payments nor did I ever receive written documentation on the fees, penalties, etc associated with her termination or eviction. The employee had been terminated from employment and I lost touch with her in late XXXX. IQ International sent me a single page collections invoice on XX/XX/XXXX... prior to that I had only received harassing calls and voice mails... .never received anything in writing. 
The invoice from IQ International dated XX/XX/XXXX had a statement of " How can you dispute the debt? '' One of the options was " If you write to us by XX/XX/XXXX we must stop collection on any amount you dispute until we send you information that shows you owe the debt. '' On XX/XX/XXXX I sent a XXXX Certified letter to IQ International asking them to send me details of the absurd amount they were trying to collect. They signed for the certified mail on XX/XX/XXXX, so I know they received it. On XX/XX/XXXX, I received multiple alerts from XXXX and other credit agencies that IQ International had submitted the collection account of {$13000.00} as defaulted. Despite the fact that their letter to me dated XX/XX/XXXX informed me that they must stop collections if I responded and disputed the claim before XX/XX/XXXX, they disregarded my dispute and my request for documentation and submitted a default to credit agencies. I have a certified letter with tracking and documentation from XXXX that the letter I sent to them was received XX/XX/XXXX ... ..2 solid weeks before the deadline. Despite my efforts in obtaining a detailed written record and submitting my dispute well within their timeline, they ignored my written request, never sent me any details and submitted the collections as a default which will hurt my credit tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
On XX/XX/XXXX around XXXX XXXX  I went to transfer {$250.00} from my Venmo to my wifes XXXX using their XXXX XXXX that is inside the Venmo app. Upon hitting send, the app created a circle effect on the screen and then shot out a message ( oops something went wrong try again ) and then at the bottom was a button that said try again. I press that button it repeated the exact same process sent me the same message to try again so I hit the button one more time. After hitting it the second time the app said that I was locked out and that I am now suspended and I got a email from Venmo stating that there could be fraudulent activity on my account. I immediately called Venmo support and was verified through them and talked with the support specialist for almost an hour. the support specialist said that they found where the error occurred and that they were going to escalate this at the highest priority to have my account unsuspended. I also provided the same screenshots that I am providing you. That show exactly what happened on the app. I have since then spoke with three other representatives from Venmo all of which verified me before then spoke about my account openly and extensively with me after verification. Today I was sent an email by Venmo stating that they will not unsuspend my account until I give them US government documentation. This is documentation that they did not ask for when I open this wallet. so this would be no form of verification. To me this is a form of extortion. venmo is holding my {$6000.00} XXXX until I give venmo my government documents that they can then sell ( by their own policy ) for profit! 
If this was in the terms of service that I had to provide all this before using the service I would not have a complaint because I would've gone in knowing that I had to give this to venmo and I just would not have used Venmo. For Venmo to allow me to set everything up and put {$6000.00} into a wallet and then after the fact lock me out of that wallet and demand something from me in exchange for my own money back, to me is the definition of extortion!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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: NJ

Complaint narrative:
I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.

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 2024-09-18 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: NJ

Complaint narrative:
I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.

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 2024-09-18 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: SC

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-09-18 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: VA

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 2024-09-18 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: FL

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXXXXXX 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 of 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 non-monetary relief
Consumer complaint received 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Ive noticed an unfamiliar account on my credit report that isnt mine. It might be due to identity theft or fraud.

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 2024-09-18 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: HUNTINGTON NATIONAL BANK, THE
State: CO

Complaint narrative:
I received notice from XXXX XXXX that I had a new hard credit inquiry from Huntington Bank and I have never stepped foot into that bank or had financial services from them. The bank does not have a fraud department to help me and continue to request my social to look me up. I do not have any accounts nor have ever applied with Huntington Bank and after 3 calls I still do not have confidence that this will be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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: GA

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 ( 5 ), 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. 

Account name : XXXX  Date of Inquiry : XX/XX/year> Account name : XXXX  Date of Inquiry : XX/XX/year> Account name : XXXX XXXX XXXX Date of Inquiry : XX/XX/year> Account name : XXXX XXXX Date of Inquiry : XX/XX/year> Account name : XXXX  Date of Inquiry : XX/XX/year> Account name : XXXX  Date of Inquiry : XX/XX/year> Account name : XXXX XXXX  Date of Inquiry : XX/XX/year> Account name : XXXX  Date of Inquiry : XX/XX/year> Account name : XXXX  Date of Inquiry : XX/XX/year> Account name : XXXX XXXX XXXX XXXX of Inquiry : XX/XX/year> Account name : XXXX XXXX XXXX of Inquiry : XX/XX/year> Account name : XXXX  Date of Inquiry : XX/XX/year> Account name : XXXX XXXX XXXX  Date of Inquiry : XX/XX/year> Account name : XXXX XXXX XXXX Date of Inquiry : XX/XX/year> Account name : XXXX  XXXX XXXX Date of Inquiry : XX/XX/year> Account name : XXXXXXXX XXXX Date of Inquiry : XX/XX/year> Account name : XXXX XXXX XXXXXXXX Date of Inquiry : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Wells fargos denied my XXXX  claim of XXXX $ the claim number is XXXX They never asled for my evedince they did not properly investagate this

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 2024-09-18 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: AR

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment 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 2024-09-18 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: NY

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

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 2024-09-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: MA

Complaint narrative:
Ive submitted previous complaints about AidVantage and nothing changes. I received another email this morning about the terms of my loan changing. Now the payment has gone up an extra {$200.00} and the new due date is in XXXX. 

They have done this before where they send an email and then follow that email with another one for a different amount with an earlier due date. 

I also dont understand why I keep getting placed in forbearance when I have my loans set to autopay. 

We need more transparency.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Truist complaint In XXXX I opened a safety deposit box with BB & T bank ( now Truist ) in XXXX XXXX. The same year I returned the keys to the employee and expressed my desire to close the safety deposit box. The employee said they would take care of the issue. The box was never closed and when I asked the bank to close it I was told I needed to return the keys. I explained that I had already given them to the bank employee. Unbeknownst to me the employee had left BB & T bank by that time. Over the years I brought the issue up to multiple managers and employees and kept letting the run around. I was charged {$58.00} every year for said box. Im XXXX ( right before XXXX ) I again spoke with a manager at this branch. The manager agreed to drill the box and if it is empty we can refund your money. When I tried to schedule a time to do this I was told because of Covid it could not be done. At some point BB & T became Truist but nothing changed. I was still being charged and still getting the run around. Finally in XXXX they agreed to stop charging me and refunded me {$58.00} dollars for that year but did not refund for the previous years. This amounted to approximately {$580.00}. When I again inquired I was told they had to send away for records. Nothing was done. Today I spent two hours on the phone with Truist costumer service. They also spoke with the manager at the XXXXXXXX XXXX branch about the issue ( they had recently closed the XXXX branch ). The manager refused to refund the money that was taken from my account. I was told they would not do anything to remedy the situation. I received a letter from XXXX XXXX, Assistant VP for Client Resolutions Truist Bank dated XX/XX/XXXX in regard to the CFPB complaint case number XXXX. In the letter XXXX XXXX states that they are unable to research the matter as they do not keep records of accounts past 10 years. Although she admits in the letter that on XX/XX/XXXX I visited the branch in regard to the matter and still nothing was resolved. Here she freely admits that nothing was done at least as far back as XXXX. Any refund was flatly denied by Truist even with the knowledge that there was an issue due to their employees negligence.

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 2024-09-18 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: NY

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

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 2024-09-18 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 remove these fraudulent accounts from my credit report, as I did not open them and was unaware of their existence. According to USC 1681g, I request their deletion within 15 days. Enclosed are supporting documents.

Company response to consumer: Closed with non-monetary relief