vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Recently I went over my Transunion consumer report and discovered that there is multiple collections accounts and inaccurate information reporting that's negatively impacting my credit score. There are collections agencies that are reporting debt to the credit reporting agencies but had no prior consent or authorization to obtain nor share my personal information. I am aware that I have a right of privacy in accordance of 15 U.S. Code 6801 - Protection of nonpublic personal information, in which sharing my personal information they. violated 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. I have no knowledge of the creditors that obtained my personal information nor did I give them consent to report any debt. The debt that they're seeking I refuse to pay. After reaching out to the creditors asking them to verify any alleged debt, they failed to provide any contracts or agreements between us. I asked Transunion to report accurate and verifiable information only. Transunion is reporting this account to my consumer report without having any proper verification documents. Violations committed by both Transunion and the Creditors reporting the alleged debt : 15 U.S. Code 6801 - Protection of nonpublic personal information, 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, 15 U.S. Code 1681i - Procedure in case of disputed accuracy, 15 U.S. Code 1681i - Procedure in case of disputed accuracy, 15 U.S. Code 1681 - Congressional findings and statement of purpose

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 2024-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2024-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information 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 2024-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
On XX/XX/year>, I made a payment on my credit card with XXXX XXXX for {$1400.00}. The payment was scheduled to be withdrawn from my paypal account. On XX/XX/year>, my credit card account charged me a returned payment fee of {$41.00} and reversed the {$1400.00} payment. I didn't understand why this happened because there was more than enough funds in my PayPal account to cover this transaction. After reaching out to PayPal, I was informed that the ability to allow external account to withdraw money via ACH needs to be enabled within the PayPal app. I was never made aware when I opened the account that this was even necessary. I've had many deposit accounts and never had to enable a feature to allow ach withdraws. 

I've contacted PayPal about this fee and provided the documentation that I attached for resolution, but have not heard back from them. It's appropriate for PayPal to reimburse me the {$41.00} fee that I was charged due to this glitch with their app

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
bank of america XXXX XXXX XXXX I HAVE A BALANCE OFFER FOR NO INTEREST IN GOOD STANDING I USED THE CARD IN XXXX TO AVOID TRANSACTION FEES I PAID THE BALANCE OFF OF WHAT I PURCHASED THEY ARE SAYING THEY WILL NOW Charge me interest on the interest fee balance until I pay that off IT IS IBTEREST FREE how's this fair other then it iS Bank of America do what they want I USE INTEREST FREE BALNCE PROMOTIONS ALL THE TIME NEVER HAD THIS OCCUR

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 2024-10-18 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: CA

Complaint narrative:
I have filed complaints with the three bureaus regarding the status of my credit report, which still contains negative items. The incorrect information listed on my credit report has greatly affected me due to the unfavorable perception from creditors. I am seeking to have the negative items removed from my credit report. Therefore, I am requesting your assistance with this matter. If the credit bureaus do not take action, I am prepared to take legal action against them for the damage this has caused me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-18 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: GA

Complaint narrative:
[ XXXX A XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX ] [ XXXX, Ga, XXXX ] [ XXXX ] [ XXXX ] [ XXXX ] Consumer Financial Protection Bureau XXXX XXXX XXXX Washington, D.C. XXXX Subject : Complaint Against Equifax for Fraudulent Reporting and Retaliation To Whom It May Concern, I am writing to formally lodge a complaint against Equifax regarding their fraudulent and malicious actions that have resulted in the wrongful placement of damaging statements and events on my credit report. As well as attempts to conceal said events, by restricting my access to their products ; as evidence will further. These actions appear to be retaliatory in nature, stemming from my previous disputes concerning their negligence and failure to comply with consumer protection laws as outlined by the Fair Credit Reporting Act ( FCRA ), the Federal Trade Commission ( FTC ) regulations, and the Fair Debt Collection Practices Act ( FDCPA ). 

Equifax has knowingly and willfully submitted false information to my credit report, specifically, while investigating dispute, regarding a previously closed charge-off account with XXXX XXXX. They have falsely reported this account as open and currently show that I have 68 missed payments. Prior to this erroneous reporting, I maintained an excellent payment history of 100 %. However, due to these malicious actions, my reported payment history has plummeted to a mere 35 %. This unjust and fabricated alteration directly impacts my creditworthiness and financial stability. 

Despite my repeated attempts to resolve these disputes through Equifaxs established processes, they have chosen to ignore my concerns and instead continue their pattern of deception. This negligence not only violates the standards imposed by the FCRA, FTC, and FDCPA but also constitutes a premeditated effort to defraud my credit standing, leading to unjust consequences for my financial life. 

The impact of Equifax 's actions has been profoundly damaging, resulting in loss of credit opportunities, increased XXXX, and a sense of helplessness in navigating a system meant to protect consumers. By failing to take responsibility for their actions and by engaging in retaliation, Equifax has not only harmed me but has undermined the integrity of the credit reporting system as a whole. 

I urge the Consumer Financial Protection Bureau to investigate Equifax 's practices concerning the reporting of consumer credit and to take necessary action against their misconduct. Consumers deserve a system that upholds accuracy, fairness, and accountability, and Equifax 's current actions blatantly contravene these principles. 

Thank you for your attention to this serious matter. I look forward to your prompt response and action regarding my complaint. 

Sincerely, [ XXXX XXXX XXXX C/O XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I recently submitted a letter regarding the inaccuracies and unfamiliar items on my credit report, but it's now been over 30 days, and I haven't received any response. This lack of action is really concerning. According to Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), youre required to investigate disputed items within 30 days, and if you don't, those items must be removed from my report. 

Since it's been more than 30 days, I expect my credit report to be updated immediately, reflecting the removal of the disputed accounts. If this isn't resolved quickly, Ill have no choice but to consider legal action, as this ongoing delay has caused me considerable stress. 

Additionally, I was affected by the XXXX, XXXX, and TransUnion data breaches, which makes me even more worried about how my personal information is being handled.

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 2024-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I recently submitted a letter regarding the inaccuracies and unfamiliar items on my credit report, but it's now been over 30 days, and I haven't received any response. This lack of action is really concerning. According to Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), youre required to investigate disputed items within 30 days, and if you don't, those items must be removed from my report. 

Since it's been more than 30 days, I expect my credit report to be updated immediately, reflecting the removal of the disputed accounts. If this isn't resolved quickly, Ill have no choice but to consider legal action, as this ongoing delay has caused me considerable stress. 

Additionally, I was affected by the XXXX, Experian, and XXXX data breaches, which makes me even more worried about how my personal information is being handled.

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 2024-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: ARVEST BANK GROUP, INC.
State: FL

Complaint narrative:
Someone opened a checking account with Arvest Bank using my information. The person apparently tweaked my name. Instead of using XXXX XXXX , the person used XXXX XXXX to open the account. Fortunately, I received a letter from the bank confirming a request for overdraft coverage for account ending with XXXX. The letter is addressed to XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, FL XXXX. I called Arvest Bank and I was informed that they had already determined that the account was fraudulent and they closed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 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: MOHELA
State: MI

Complaint narrative:
My students loans were transferred to MOHELA. I have auto pay set up for above my minimum payment. MOHELA has taken the auto pay out the past two months but continues to send past due notices. I verified my auto pay is set up to be allocated to each loan above minimum payment and the auto pay has come out of my account. Still MOHELA sends me past due notices and shows my account being past due. I have revoked auto pay due to their inability to correct their mistake. Payments are not showing on my account online yet the funds are gone from my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-10-18 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: OH

Complaint narrative:
On XX/XX/XXXX my Venmo account was frozen for suspicious activity the only activity that was done was through me transferring my money to my teen account. After submitting the proper documents they had me wait 3 days, and unfroze my account on XX/XX/XXXX just to freeze my account again not even an hour later. The customer service is rude, the supervisors all give different answers and I am still unable to use my account to pay my bills and may even face eviction. After sending them my ID, then a PHOTO and ID. I was told on XX/XX/XXXX that they would give back with me in two hours this was told to me by a XXXX XXXX of the supervisors at Venmo Customer Service. They did not get back with me, I had to call them just for another supervisor to tell me the complete opposite. These people are playing with my money. I have bills, if I have proved it to be me why am I still having issues. The supervisors who I had an issue with are XXXX, XXXX, and XXXX. The Account Specialist I had issues with name is XXXX XXXX XXXX XXXX unfroze my account then suspended it AGAIN.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I sent multiple letters to Transunion regarding 3 accounts. 

XXXX. XXXX XXXX XXXX # XXXX I was never late on this account and I asked for proof that i was late. I never received a five day notice. I also asked for proof. I could receive this by seeing their records. ( bank statements ) 2. XXXX  # XXXX Transunion, XXXX, and XXXX have different reportings. Transunion is the only one reporting this item. I asked them to validate this and was sent a stall letter saying they already investigated it. 

3. XXXX  # XXXX The same with this account. Its affecting my ability to get credit. You cant verify something that is not reporting to other credit reporting agencies and you cant parrot information.

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 2024-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TN

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 XXXX, Experian, and XXXX data breach.

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