vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-15 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: FL

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-03-15 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: PR

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 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

Complaint narrative:
I woke up one morning and found that my PayPal account have been permanently limited for 180 days. I tried contacting them about the issue which till now they have not resolved am stuck because I can not do business because all my transactions are done online to the PayPal account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 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: OH

Complaint narrative:
As I was checking, my annual free credit report, I noticed that an account ( XXXX XXXX ) was reporting as Dispute resolved reported by grantor. It still shows the account balance of {$900.00} instead of {$0.00}, which is the true balance. I called today ( XX/XX/XXXX ) and talked with a representative about this issue. I was assured in XX/XX/XXXXXXXX XXXX this account was settled, however representative states it will take the company 7-10 years to report this to the credit bureau . This is unfair and unjust, is this the law? Ive talked with each credit reporting bureau and each one gave different answers. May we resolve this issue sooner than later, as it may be preventing me from buying a home. Thank you kindly.

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 2024-03-15 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: FL

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attention to this issue. Attached you will also find my ID as proof of my identity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 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: GA

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened the account with citibank XXXX tried to fund the account with a check I received from an old landlord for security deposit and a month of rent of XXXX $ on XX/XX/XXXX and also with my tax refund of XXXX that was deposited into my XXXX XXXX account I tried to make a bank transfer XX/XX/XXXX for that amount to Citi bank due to my XXXX XXXX account was closing soon. Well Citi bank did not try to get the funds until XX/XX/XXXX in fact the account was already closed I called Citi bank and let them no the situation to the XXXX and ask about the other XXXX they said XXXX check was funded into my account but have a hold on my account for XXXX I let them no my account already closed because the funds werent transferred In time. They said that they needed to verify my phone number I told them the phone number I signed up either said they could not use that phone number I have had that number and account is under my name for so long they said they would send a referral code I called back with referral code I received in the mail and they said they could not help me and needed to send a new one I went to the Citi bank branch trying to verify it is me and the situation and they said I need to get a new code or a new phone number still know luck trying to get my money been calling everyday doing every step possible Im a single mother and I am falling behind because of the inconvenience of not accessing my funds

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 2024-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NAVY FEDERAL CREDIT UNION
State: UT

Complaint narrative:
On XX/XX/24, I received a call from a man claiming he was calling from the Navy Federal : Fraud Department. I started seeing fraud alerts in my email. The man assured me he was going to resolve it, then walked me through the steps to transfer over the {$4200.00} to an unknown third party. He informed me this is what needed to be dont to restore the issue in my account, I then transferred the money and he was also going to order me a new debit card. The next morning I woke up and tried to go into my account and it was locked, I called Navy Federal on XX/XX/24, they said someone scammed me and committed fraudulent activity on my account. When I spoke to Navy Federal about the call they said they did not call me. I spent hours on the phone with Navy Federal trying to resolve what had happened. They said an investigation was going to be needed on my account. On XX/XX/24, I called to ask a status update on the investigation. They informed me it was denied, I did not receive any notice that the investigation was over, there was no communication. At this point XX/XX/24 I filed a security appeal form and sent this over to them explaining the situation. On XX/XX/24 I called them again to which they informed me my appeal was denied, I spoke to a manager who told me they could not do anything to help restore my funds and told me to try filing the same appeal again. This has consumed my last XXXX XXXX paycheck of {$2400.00}. There has been no communication from NFCU, I have to be the one to contact them for information entirely.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 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 did not initiate these accounts, and I suspect them to be fraudulent. I request a thorough investigation and their removal from my credit report. Attached are supporting documents.

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 2024-03-15 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: NY

Complaint narrative:
These inquiries were not initiated by me and I firmly suspect their authenticity. I implore you to conduct a thorough investigation and promptly delete them from my credit history.

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 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transition Contacted XX/XX/XXXX via phone but they weren't not helpful with removing the unknown inquiries from my credit report. 

Hard inquires 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 Contacted XX/XX/XXXX via phone but they weren't not helpful with removing the unknown inquiries from my credit 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 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 2024-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : 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 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 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:
this company failed to provide proof of verification multiple times and refused to remove bad debt from my credit report this violates so many laws and will be reporting to XXXX  of this fraudulent information. told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXXXXXX XXXX XXXX ALSO THESE 2 ACCOUNTS ARE THE SAME PEOPLE UNDER 2 DIFFERENT NAMES " Original creditor : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX '' Account name XXXX XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXXXXXX XXXX Account # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit 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 non-monetary relief
Consumer complaint received 2024-03-15 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: TX

Complaint narrative:
The following company, XXXX XXXX XXXX has reported a fraudulent account on my credit reports. I do not have any financial obligations with this company. The above-mentioned company has failed to supply me with any contracts that was signed on my behalf. This account and company are considered fraud as no authorization has been provided to this company to furnish any information into my credit profile... 

Transunion Credit agency has not completed an investigation into this matter to validate any claimed relationship that I have with this 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
Consumer complaint received 2024-03-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
An XXXX XXXX at XXXX XXXX XXXX at XXXX Utah XXXX was trying to get a loan under my name XXXX XXXX and him at a co-signer. I have no idea who this person is I dont know anyone or have never been in Utah ! It was M + T Bank that called me

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 2024-03-15 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: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
I've been trying to resolve these issues for years. its so unfair that I cant purchase a house or access Business funding because of these fraudulent credit bureaus. This is the last time trying to resolve. Please investigate XXXX. AWA I don't even know what or who that company is and XXXX XXXX XXXX I never ever did any business with these people. If any further Questions please contact XXXX XXXX at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 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 did not initiate these accounts, and I suspect them to be fraudulent. I request a thorough investigation and their removal from my credit report. Attached are supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 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: NV

Complaint narrative:
XX/XX/XXXX, I looked at my report. I sent a letter to Experian on XX/XX/XXXX asking them to reinvestigate these accounts : XXXX XXXX XXXX and XX/XX/XXXX they sent me their investigation and said these accounts are complete and accurate. 
I looked at my report and noticed everything is still the same.. 
and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, Can you reinvestigate my account and if it not 100 % correct can you remove from my credit report according to law 15 USC 1681i make sure everything is complete and accurate Get it motorized 2 provide me a description of how you verified those accounts 3 file a complaint Lay out details n facts 15usc 1681 Eb assure maximum possible accuracy

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 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
XX/XX/2XXXX XXXX XXXX XXXX {$1600.00} i call i never open credit with XXXX XXXX XXXX was victim of 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 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SN SERVICING CORPORATION
State: MI

Complaint narrative:
On XX/XX/XXXX I sent XXXX XXXX a copy of my homeowners insurance it was over {$1000.00} less that what was listed on my escrow statement. I never heard back from XXXX. My Escrow payment increased to {$580.00} that is {$7000.00} ( {$4000.00} ) Surplus. I asked that it be adjusted with the proper cushion. My payments increased to {$1300.00} over XXXX I can not afford that. My husband has been very XXXX and currently undergoing XXXXXXXX XXXX. The previous response did not even address my concern. If this isn't the right area please direct me to the proper agency to contact. Thank you.

Company response to consumer: Closed with explanation