vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-14 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.

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX US DEPT ED XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$4400.00} US DEPT ED XXXX Balance Owed : {$0.00} US DEPT ED XXXX XXXX Owed : {$0.00} US DEPT ED XXXX XXXX XXXX : {$0.00} US DEPT ED XXXX Balance XXXX XXXX {$0.00} US DEPT ED XXXX Balance Owed XXXX {$0.00} US DEPT ED XXXX Balance Owed : {$0.00} US DEPT ED XXXX Balance Owed : {$0.00} US DEPT ED XXXX Balance Owed : {$0.00} US DEPT ED XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$5600.00} XXXX  XX/XX/year>

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 2024-05-14 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.

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX US DEPT ED XXXX Balance Owed : {$0.00} US DEPT ED XXXX Balance Owed : {$4400.00} US DEPT XXXX XXXX Balance Owed : {$0.00} US DEPT ED XXXX XXXX Owed : {$0.00} US DEPT ED XXXX XXXX XXXX : {$0.00} US DEPT ED XXXX Balance XXXX XXXX {$0.00} US DEPT ED XXXX Balance Owed XXXX {$0.00} US DEPT ED XXXX Balance Owed : {$0.00} US DEPT ED XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$5600.00} XXXX  XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 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: NY

Complaint narrative:
I am writing to express my XXXX with the dispute process regarding an items on my credit report and I want to dispute these fraudulent information. Despite my diligent efforts to provide valid documentation such as the required XXXX report, supporting my position, it seems that my message is not being properly received by your bureau. Let me be clear : I am the one initiating these disputes under my name. 

The items in question is unfamiliar to me and the documents I have submitted are authentic and registered with the appropriate agencies, corroborating my stance. I insist that the record be rectified. 
It is important to note that as a credit bureau, you are legally obligated to ensure the accuracy and timeliness of your records. By failing to remove these fraudulent accounts, you are not fulfilling these obligation and are exposing me to further harm. 

Enclosed is the items that is unfamiliar to me : 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 2024-05-14 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: UT

Complaint narrative:
delete hard inquiries accordance with the Far Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Jection 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 ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 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:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief
Consumer complaint received 2024-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Im a XXXX XXXX using Bank of America for our business account. I have been with B of A for at least XXXX years. We Never bounce checks or have any Issues with bad checks. Recently B of A will put a XXXX to XXXX day hold on ALL my XXXX checks. This is causing issues XXXX XXXX, XXXX XXXX and XXXX XXXX paid. It does not take XXXX days or XXXX hrs for a check to be verified, its instant. Try and write a check with insufficient funds and your check will be declined right then and there. There is zero reason for this policy. Other than they only do this, so they make interest off my hard labor. I sick of banks playing games. This needs to be addressed!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 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 urgently request the removal of this inaccurate late payment from my account. I've consistently made timely payments, and this entry is causing me XXXX XXXX. Please rectify this error promptly by updating my account.

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 2024-05-14 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I never applied for this apartment and never lived there and never agreed to pay anything to this company. They are demanding I pay a balance of {$220.00} and Im constantly getting denied for other rentals due to this issue. When I reached out to the leasing office they demanded I pay this amount even though I didnt authorize this and have no clue where this came from. According to FRCA section 605B it is illegal to report information on my credit report without my permissionn please remove this off my credit report thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
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 2024-05-14 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: FL

Complaint narrative:
Dear Sir/Madam, I am writing to file a formal complaint regarding the failure to remove an inaccurate charge-off account from my credit report. Despite previous disputes and requests for its removal, the charge-off account with the account number XXXX, attributed to the company XXXX XXXX XXXX XXXX XXXX on my credit report. 

The inclusion of this inaccurate charge-off account on my credit report has had a detrimental impact on my creditworthiness and financial standing. I have made repeated attempts to rectify this issue by submitting disputes and providing supporting documentation, yet the erroneous entry remains unresolved. 

I would like to emphasize that I have no association with XXXX XXXX XXXX and have never incurred any debt or obligation with this company. Therefore, the presence of this charge-off account on my credit report is not only inaccurate but also unjust and damaging to my credit profile. 

I demand that immediate action be taken to rectify this matter by removing the inaccurate charge-off account from my credit report. Additionally, I request a thorough investigation into the circumstances surrounding the reporting of this account and the failure to address my previous disputes in a timely and effective manner. 

Furthermore, I expect compensation for the inconvenience, frustration, and potential harm caused by the continued presence of this inaccurate information on my credit report. 

Enclosed with this letter are copies of previous dispute correspondence, as well as documentation supporting my claim of the inaccuracies associated with the charge-off account in question. 

I anticipate a prompt response to this complaint, detailing the actions taken to address this issue and provide restitution for the damages incurred. Failure to do so may result in further legal action to protect my rights under the Fair Credit Reporting Act. 

Thank you for your 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 2024-05-14 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: FL

Complaint narrative:
Dear Sir/Madam, I am writing to file a formal complaint regarding the failure to remove an inaccurate charge-off account from my credit report. Despite previous disputes and requests for its removal, the charge-off account with the account number XXXX, attributed to the company XXXX XXXX XXXX XXXX XXXX on my credit report. 

The inclusion of this inaccurate charge-off account on my credit report has had a detrimental impact on my creditworthiness and financial standing. I have made repeated attempts to rectify this issue by submitting disputes and providing supporting documentation, yet the erroneous entry remains unresolved. 

I would like to emphasize that I have no association with XXXX XXXX XXXX and have never incurred any debt or obligation with this company. Therefore, the presence of this charge-off account on my credit report is not only inaccurate but also unjust and damaging to my credit profile. 

I demand that immediate action be taken to rectify this matter by removing the inaccurate charge-off account from my credit report. Additionally, I request a thorough investigation into the circumstances surrounding the reporting of this account and the failure to address my previous disputes in a timely and effective manner. 

Furthermore, I expect compensation for the inconvenience, frustration, and potential harm caused by the continued presence of this inaccurate information on my credit report. 

Enclosed with this letter are copies of previous dispute correspondence, as well as documentation supporting my claim of the inaccuracies associated with the charge-off account in question. 

I anticipate a prompt response to this complaint, detailing the actions taken to address this issue and provide restitution for the damages incurred. Failure to do so may result in further legal action to protect my rights under the Fair Credit Reporting Act. 

Thank you for your 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 explanation
Consumer complaint received 2024-05-14 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: NJ

Complaint narrative:
I have lost count of the number of letters I have sent to your bureau regarding my status as a victim of identity theft, as my concerns have yet to be fully resolved. Once again, I am disputing the fraudulent information that is adversely affecting my credit file. Despite my submission of the required XXXX complaint, your bureau continues to report these fraudulent accounts on my credit report. I want to emphasize that I have already contacted the banks associated with these accounts, submitted the necessary documents, and had the accounts promptly deleted from their records. Moreover, other credit bureaus have already removed these accounts from their records following the submission of the XXXX complaint. Therefore, I am curious about the verification process your bureau employed to continue reporting these fraudulent accounts. I need the accounts below DELETED from my report : 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 2024-05-14 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: NY

Complaint narrative:
This complaint serves as a formal complaint regarding the inaccurate and incomplete information that you are reporting on my Credit Report, which I wish to dispute. 
While I acknowledge that errors can occur, it is important to rectify this inaccuracies promptly, as they could potentially lead to higher interest rates for me. Given my current financial obligations, such additional expenses are unwelcome. 
XXXXXXXX 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 2024-05-14 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: UT

Complaint narrative:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 2024-05-14 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:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed.

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 2024-05-14 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: MO

Complaint narrative:
XXXX is the PayPal transaction ID. On XX/XX/year> I attempted a purchase and sent XXXX in error because I misspelled the recipient name. I immediately opened a dispute with PayPal. They didn't read the issue. Below is the text I sent. 


Issue with remittance The money was sent to the wrong recipient Case status : Closed We've closed this case as our review showed that this transaction was processed correctly and an amount of {$800.00} XXXX was successfully transfered to the XXXX on XX/XX/year> at XXXXXXXX XXXX PDT. 
Your responses XX/XX/year> at XXXXXXXX XXXX PDT You provided additional info. 
Please refund the full transaction fee as well. You can see that I did pay the correct XXXX XXXX so do not send him the incorrect payment, please return to my account. 
XX/XX/year> at XXXX XXXX PDT You provided additional info. 
I have asked the wrong payee to return the money and this person has not responded. Please reverse the transaction. 
XX/XX/year> at XXXXXXXX XXXX PDT You provided additional info. 
Should be sent to XXXX Case details Case ID : XXXX XXXX XXXX : {$800.00} XXXX Receiver info : XXXX XXXX XXXX Date XXXX XXXX XX/XX/year> Transaction reported XXXX XXXX XXXX XX/XX/XXXX, Money XXXX XXXX ID : XXXX - {$800.00} XXXX Additional Info Your note : Mistaken payment... entered the incorrect name spelling

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lloyd & McDaniel, PLC
State: AL

Complaint narrative:
Around XX/XX/year>, my co-borrower, XXXX XXXX, arranged a payment arrangement with Lloyd and Mcdaniel to pay a debt of {$1800.00} to XXXX credit. She settled out of court and paid the dues from XXXX XXXX XXXX in full. This company has failed to notify XXXX to clear the amount from XXXX XXXX XXXX ( the person who is writing this statement ) and refuses to get in touch with XXXX to clear her name.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I brought my car to Pep Boys on XX/XX/2024, to have the XXXX replaced. Before handing over the car, they checked everything and confirmed the AC was working fine. However, the next day, after just three minutes of driving, I noticed the AC was blowing hot air. I returned to Pep Boys, but they claimed everything was fine. It's been three months now, enduring Florida 's XXXX heat without AC. When I contacted Pep Boys, they accused me of lying about the AC issue.they charged me {$1200.00} I'm seeking reimbursement to fix my AC.

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