vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-30 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:
I have been going back and forth with Transunion about a debt I do not owe but they continually side with the company instead of investigating the debt themselves before reporting incorrect information on my credit report, I have been requesting proof of debt according to XXXX and they would only send me monthly statements, now they sent me a letter stating dates of calls being placed and request to be in payment programs that I didn't know of, I have never requested any programs or called about payments, I told them I am willing to do a voice verification because I DID NOT CALL THEM, I have been requesting a copy of checks that was used to make payments, because I DID NOT WRITE THEM, I was unaware of any of these things that was going on and if someone would just take the time to check on these 2 things we could resolve this issue immediately, TRANSUNION continues to report a fraudulent account on my credit report and is leaving me no choice but to file a claim against them. 

THIS IS A COPY OF LETTER SENT TO XXXX  : I have been disputing this account for years, this was the first time I was made aware of calls placed on XX/XX/XXXX, enrollment in hardship program on XX/XX/XXXX, or updating this account on XX/XX/XXXX, I did not make any of these contacts, you should have voice recordings of these call which I am more than willing to give my voice sample to prove I did not make these calls, I know you don't know me but I give you my word i did not make any of those contacts, please check to see who made the payment on XX/XX/XXXX because IT WAS NOT ME, I have been saying for years that I was not me and finally now you may have the proof showing I'm not lying, so now its up to you if you are going to do the right thing and check your records, provide me evidence so I can figure out who made those charges and remove this account from my credit file or continue reporting something you know does not belong to me, this almost feels like an account takeover, could you please provide the phone number and email associated with the hardship program.

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 2024-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
XX/XX/year> I reached out to Pay Pal after playing an XXXX XX/XX/XXXX. I had a friend doing it as well in XX/XX/year> was the actual date. 

Upon sending the XX/XX/XXXXXXXX what is now my understanding was Anonymous a well known criminal internet hacking, money embezzlement scheme. The FBI is trying to infiltrate this group for years now. The handle on XXXX is Anonymous Collective. They come up each Sunday on XXXX and thru that XXXX XXXX account and ask for XXXX dollars. 

The email has been changed on PayPal connected to this Anonymous account. When I contacted this account on XXXX they refused to refund the funds. I called to inform PayPal XX/XX/XXXX. XX/XX/XXXX about the XXXX this organization is wanted by the FBI I would later understand. The PayPal agent then spoke to his supervisor I was later asked to upload the messengers conversation I did. 

I explained it was a friends family sent they said no worries in special cases we can assist under circumstances such as these. We will help you out so uploaded everything and in PayPal. They told me to do a stop payment at my bank & that it wouldnt effect me, I contacted the Anonymous account no response which is required.

Later w/out a response or solution to the investigation PayPal choose to let them slide and locked me out my PayPal requesting XXXX XXXX They have been calling being abusive about XXXX $ XXXX XXXX owe them. 

The issue under friends and family is criminal organizations can do business it isnt enforce guidelines or deal with such fraud under friends and family. There are two things in the help page one it says yes you can dispute a transaction if you have reached out I read it to PayPal. Then they say under Friends and Family you can dispute it even if we know its an illegal organization.

I am locked out my account after they told me it was fine to do a stop payment. And that they would investigate after I uploaded the XXXX the documents of XX/XX/year>. PayPal has been calling harassing me texting me. Calling being abusive and very hostile and aggressive. But they will not deal with criminal activity with such a high profile organization. 

I am not paying XXXX $ to PayPal they honestly owe me which they did offer me XXXX $ but still wanted me to pay them XXXX $ XXXX dont owe them to get my account unlocked. XXXX of dollars come into that Anonymous account yet they can continue to do evil and PayPal is allowing it yet want to squeeze XXXX $ out of me and harass me about it My PayPal email is XXXX XXXX XXXX XXXX YES I have the request on PAYPAL to the XX/XX/XXXXXXXX account for refund no response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-30 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: Block, Inc.
State: TX

Complaint narrative:
Cashapp will not release my balance of {$300.00}. I have called them and representative over the phone said only can help through email. I emailed and have not received a response back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: IL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: FIRST NATIONAL BANK OF OMAHA
State: GA

Complaint narrative:
XX/XX/XXXX, I received an email about collecting debt on an account that has been collected on, but XXXX XXXX  keep selling my personal information yo another collection company called XXXX XXXX. I'm not paying another dime for an account that has already had a judgment placed against me. Secondly, this account is removed from my credit report in XX/XX/XXXX,. I'm not paying first national bank of Omaha, XXXX XXXXXXXX XXXX XXXX XXXX. I will be filing a lawsuit about all 3 credit collection agencies for abusing their collection rights.

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 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I recieved an email about privacy policy changing to allow them to sell my data to third-party advertisers. When I called to have them delete all personal information and revoke consent to share they refused to allow me to speak with a live representative or close my account. The XXXX XXXX will not allow you to close an account or revoke consent for data to be shared.

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 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I received a prescreen offer of credit email from CareCredit on XX/XX/year>. The email indicated I was approved for at least {$3000.00} in credit, and that information was used from my credit report to make this offer to me. I permanently opted out of prescreen marketing from the listed bureaus about 7 years ago.

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 2024-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I purchased a latte for {$8.00} from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX I've been in contact with their accounting department at : XXXX A service charge of {$810.00} was added to the coffee so that the purchase price was exactly {$820.00}. I've asked XXXX to credit the service charge as it was an obvious error, or worse, potentially fraudulent. I also submitted a dispute with American Express but they have sided with the hotel after a receipt for {$820.00} was provided. I expected American Express to assist me in questioning the service charge for {$810.00} but they have not been helpful. 

I'd appreciate your assistance. Thank you in advance!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-30 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: KY

Complaint narrative:
Dear Sir/Madam, I am writing to dispute inaccurate personal information that is being reported on my credit report by your agency. Upon reviewing my credit report, I have identified discrepancies in the personal information section that require immediate attention and correction. 
The inaccurate information is as follows : incorrect name and addresses. 
I hereby request that you investigate and correct the inaccuracies in my personal information as soon as possible. It is imperative that the information on my credit report is accurate and up-to-date to ensure fair and accurate assessment of my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
Dear Sir/Madam, I am writing to dispute inaccurate personal information that is being reported on my credit report by your agency. Upon reviewing my credit report, I have identified discrepancies in the personal information section that require immediate attention and correction. 
The inaccurate information is as follows : incorrect name and addresses. 
I hereby request that you investigate and correct the inaccuracies in my personal information as soon as possible. It is imperative that the information on my credit report is accurate and up-to-date to ensure fair and accurate assessment of my creditworthiness.

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 2024-12-30 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.

Complaint narrative:
DATA BREACH I notified Experian, XXXX, and XXXX via telephone. There was no answer, just automated customer service that would not connect me to a representative. I attempted to file a dispute but could not because appropriate information about data breaches was not available. I needed them to fix my WHOLE CREDIT because my information was exposed in a Data Breach. 

According to 15 USC 1681, regarding the right to privacy and FCRA 605B, if there is a data breach involving possible identity theft, they must correct all information on my credit report within four ( 4 ) days.

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 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-12-30 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 filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

List of Unauthorized Inquiries : 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 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 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 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 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Late fee of {$40.00} charged and balance not credited resulting in {$160.00} owed and credit declined. Reason given was payment was made late for XXXX and XXXX. Company acknowledges receiving payments on XX/XX/XXXX and XX/XX/year>. Payments sent by me on XX/XX/XXXX and XX/XX/XXXX allowing 3 days for mail to arrive by due date of XXXX and XX/XX/XXXX of 2024. Charged late fee and declined credit by Chase Freedom Credit Card Services because they stated did not receive payments by due date of the XXXX each month. Chase stated that I should have sent payment 5-7 days in advance to make sure they received it by due date. First, a payment is not defined as legally late when it is received but when it is sent by the payee. I made the payment early in good faith. Second, experience shows that it only takes 2-3 days for mail to reach its destination from the US Postal Service . In good faith I paid in an early and timely manner allowing sufficient time of 3 days for the payment to arrive on time. My suspicion is that both payments arrived timely within 2 to 3 days, but the credit card company took the extra 3 to 5 days to process and post the payment and charged me as being late for those extra days. I have an excellent payment history with Chase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Bridge IT, Inc.
State: MA

Complaint narrative:
I canceled my account with Brigit, but the company continues to monitor my bank account without my authorization. Despite no longer having an active account, Brigit has retained access to my bank account and financial transactions. I did not consent to this continued monitoring, and it violates my privacy rights. 

I have taken steps to address this issue by canceling my account and ensuring no outstanding obligations with the company. However, Brigit has failed to disconnect from my bank account or confirm the cessation of monitoring. 

I request that Brigit immediately stop accessing and monitoring my bank account, delete any data they have collected, and confirm in writing that this issue has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: NV

Complaint narrative:
I am requesting an investigation into Transunion Credit Bureau, as they have violated the Fair Credit Reporting Act by willfully failing to investigate. Transunion is in violation of 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ).

Creditors in question : 2 ACCOUNTS FROM XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. 

On XX/XX/year>, I filed a dispute on the Transunion website for the four accounts listed below. In that dispute, I advised the credit agency I believed these accounts to be inaccurate and requested the following documents be provided to me as part of the investigation to validate these debts : Full detailed list of payment history on this account, original signature I agreed to with this creditor, proof of ownership chain. 

On XX/XX/year>, I received an update from Transunion via email, advising the investigation had been completed and the debts had been validated. However, the requested documents were not provided to me and no evidence to support the investigation outcome was provided within the 5 days of the completed investigation, as specified in the Fair Credit Reporting Act. This is willful non-compliance. 

On XX/XX/year>, I sent a letter to Transunion via certified mail, again requesting documentation to support this investigation, referencing 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ) ( which relates to consumer disputes of information on a credit report ). 

On XX/XX/year>, I conversed with 2 different Transunion representatives who advised they were unsure of why the documents had not been provided and one representative advised me to file a report with the FTC in order to get these errors removed 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 2024-12-30 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: UT

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate late payment information on my credit report, which I believe is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, the inaccurate reporting of late payments contradicts 15 U.S. Code 1681e ( b ), which mandates that consumer reporting agencies must ensure maximum possible accuracy in the information included in consumer reports. 

My transunion report is showing XXXX XXXX  account 30 days late payment on XX/XX/year> however experian is showing XX/XX/year> payment is ok paid on time.

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