vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-27 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have sent XXXX, Equifax, and XXXX letters by mail demanding for deletion of inaccurate information on my consumer reports. I have also sent these companies FTC reports as well because I am a victim of identity theft and furthermore this is not my first complaint about this type of situation more like the XXXX time this year. when asked for removal accompanied by the law that would back the removal of unauthorized information, the companies would send a debt validation notice then go on to say that removal would not be indited causing great stress and suffering on my behalf. these companies keep negative information on consumers reports delaying efforts to report accurately when suggested. sounds like identity theft to me. Then when a complaint is made they never fix everything only some things are fixed but not all of them. I have filed more than XXXX complaints for these companies to fix the information that was inaccurate and they still have not! Sueing them would be the best option!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 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: IL

Complaint narrative:
I have sent XXXX, XXXX, and Experian letters by mail demanding for deletion of inaccurate information on my consumer reports. I have also sent these companies FTC reports as well because I am a victim of identity theft and furthermore this is not my first complaint about this type of situation more like the XXXX time this year. when asked for removal accompanied by the law that would back the removal of unauthorized information, the companies would send a debt validation notice then go on to say that removal would not be indited causing great stress and suffering on my behalf. these companies keep negative information on consumers reports delaying efforts to report accurately when suggested. sounds like identity theft to me. Then when a complaint is made they never fix everything only some things are fixed but not all of them. I have filed more than XXXX complaints for these companies to fix the information that was inaccurate and they still have not! Sueing them would be the best option!

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 2024-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
They had XXXX XXXX XXXX on my social with my real name XXXX XXXX XXXX which is XXXX XXXX XXXX. And now TransUnion messed up again and they now have my name as XXXX XXXX XXXX and it needs to be XXXX XXXX. XXXX!!!!!!!! This is the third time I have talked with them! If they mess up again I will sue!

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 2024-08-27 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:
Company emailed me notice that they do not intend to investigate because they do not believe I authorized the inquiry 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. The information and Accounts listed below have violated my rights. 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. Consumer must get XXXX disclosures before personal information is disclosed to a non affiliated third party XXXX. Names disputes- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Status and balance Request immediate deletion - Account XXXX  : XXXX XXXX XXXX 15USC6801 request immediate deletion - Account : XXXX XXXXXXXX XXXX Incorrect balance and status. Request immediate deletion - Account XXXX XXXX XXXX XXXX XXXX : Incorrect account status and balance. Resolved account request immediate deletion - Account XXXX XXXX XXXX XXXX XXXX Incorrect status and Balance request immediate deletion - Account XXXX : XXXX XXXX Imcorrect status and balance. Request immediate deletion - Account XXXX XXXX XXXX : incorrect balance and status : request immediate deletion - Account XXXX XXXX XXXX : incorrect balance and status : request immediate deletion - Account : XXXX : XXXX NO CONTRACT request immediate deletion - Account XXXX XXXX incorrect balance and status : request immediate deletion - Account XXXX XXXX XXXX VIOLATION : request immediate deletion - Account XXXXXXXX XXXX XXXX incorrect balance and status : request immediate deletion

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-27 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: TX

Complaint narrative:
There is an accounts on my consumer report thats not mine or no accurate and its hurting my financial health. In this against my consumer rights do to 15 USC 1681 XXXX Account name is XXXX # XXXX and XXXX XXXX XXXX XXXX # AND XXXX XXXX XXXX, has violated my rights I look at my consumer report on all XXXX Credit bureau XX/XX/year> and notice some things are incorrect and not accurate. and according to the fair credit report at whenever a consumer report agency prepares a consumer report it shall follow responsibility produce to assume maximum possible possible accuracy of the information concert the individual about who the report relates according to 15 USC 1681 And according to 15 USC 16 8105 they are supposed to Do this treatment of inaccuracy or unverified 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 2024-08-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
My paypal account has been wrongfully limited and my balance is not available anymore. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On the XXXX of XX/XX/year>, i got ask to provide proof of fulfilment from my supplier to prove i can fulfill orders. I provided all the information they asked for and my information was correct, however the next day my account was permanently limited with an email stating that i used false information. All my documents were legit receipt for my supplier and now that are holding my money hostage. I would like the limitations to be lifted on my account. I can provide all the info necessary to prove i'm a legitimate business if required.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 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:
Hello, I created a Paypal account back in XXXX on the XXXX paypal website. I provided my real XXXX details and documents when creating that account, never mentioned XXXX anywhere and never gave any fake information. I even submitted the documents a second time over the XXXX years that were approved by Paypal and they even gave me an established seller account. I am an XXXX XXXXXXXX and I mainly used paypal to receive very little amounts of money from XXXX XXXX XXXX from legit websites, as I had no other option. My account was permanently limited due to wrong country allegations and I waited for XXXX days. Now Paypal is only providing me withdrawal options that are not viable for me at all and nearly impossible. It's impossible for me to get a XXXX or XXXX XXXX account or card and they are not allowing me to link a virtual account. So basically I might never be able to withdraw that money, so they are mocking me in a way by telling me that the money is safe in the account and I can withdraw it whenever i want. When I enquired why they let me create a Paypal account although I entered a XXXX address and details while creating the account back in XXXX. They answered that they give every customer a fair opportunity to create an account. I asked why did they limit my account permanently if that was the case and I'm not even getting a fair opportunity to withdraw my funds now. I'm reaching out because of their mockery and deceptive responses. Besides the messages, I even made a XXXX min call and they didn't give me any solution besides repeating the same thing over and over again. 

Law and jurisdiction doesn't allow me to withdraw my money but it does allow me to create a XXXX paypal account and use it for XXXX  years. Or have their developers forgotten how to code. It's just an obvious trap. 

I complained through XXXX before this and in response Paypal asked me if I have any active Virtual accounts that they can link for me. I gave them the details and haven't received a response for nearly XXXX weeks now. Below is a link where I recorded the entire conversation and screenshots. They are not even responding any more. 

XXXX XXXX XXXX XXXX My Paypal ID : XXXX Looking forward for a resolve, Thank you. 

XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am writing to dispute inaccurate information that appears on my credit report. Upon review, I noticed several inconsistencies in the information provided for an account listed under my name. Specifically : The date the account was opened is incorrect. 
The date of last activity does not match my records. 
The last reported date is inaccurate. 
The balance listed is not accurate. 

These inaccuracies are adversely affecting my credit report. I request that you investigate these issues immediately and update the information to reflect the correct details. If you can not verify the accuracy of this account, I ask that you remove it from my credit report entirely. 

Please notify me of the results of your investigation at your earliest convenience.

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 2024-08-27 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: LA

Complaint narrative:
I am writing to dispute inaccurate information that appears on my credit report. Upon review, I noticed several inconsistencies in the information provided for an account listed under my name. Specifically : The date the account was opened is incorrect. 
The date of last activity does not match my records. 
The last reported date is inaccurate. 
The balance listed is not accurate. 

These inaccuracies are adversely affecting my credit report. I request that you investigate these issues immediately and update the information to reflect the correct details. If you can not verify the accuracy of this account, I ask that you remove it from my credit report entirely. 

Please notify me of the results of your investigation at your earliest convenience.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-27 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: TX

Complaint narrative:
There is an accounts on my consumer report thats not mine or no accurate and its hurting my financial health. In this against my consumer rights do to 15 USC 1681 XXXX Account name is XXXX # XXXX and XXXX XXXX XXXX XXXX # AND XXXX XXXXXXXX XXXX, has violated my rights I look at my consumer report on all XXXX Credit bureau XX/XX/2024 and notice some things are incorrect and not accurate. and according to the fair credit report at whenever a consumer report agency prepares a consumer report it shall follow responsibility produce to assume maximum possible possible accuracy of the information concert the individual about who the report relates according to 15 USC 1681 And according to 15 USC 16 8105 they are supposed to Do this treatment of inaccuracy or unverified 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 2024-08-27 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: TX

Complaint narrative:
There is an accounts on my consumer report thats not mine or no accurate and its hurting my financial health. In this against my consumer rights do to 15 USC 1681 EB Account name is XXXX # XXXX and XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights I look at my consumer report on all XXXX Credit bureau XX/XX/year> and notice some things are incorrect and not accurate. and according to the fair credit report at whenever a consumer report agency prepares a consumer report it shall follow responsibility produce to assume maximum possible possible accuracy of the information concert the individual about who the report relates according to 15 USC 1681 And according to 15 USC 16 8105 they are supposed to Do this treatment of inaccuracy or unverified information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-27 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: MA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2024-08-27 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: MA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 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, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Thank you so much!.

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 2024-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 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, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Thank you so much!.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-27 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: OH

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-08-27 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: OH

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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