vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I had made a purchase with my Ally card for XXXX, and then canceled the order with the merchant. For some reason ally decides to take that money twice and my balance goes negative. Now, I get my refund, but my balance shows around XXXX but my available balance is only around XXXX dollars. Also that extra pending charge is still on there. Customer support has been completely unhelpful giving the same automated responses and not resolving my issue. They are holding my money for no reason.

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 2023-09-01 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: CT

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged 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 2023-09-01 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: GA

Complaint narrative:
I am writing to formally dispute and request the removal of inaccurate information from my credit report, as provided by your bureau. The inaccuracies in question are in violation of federal laws, including the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Billing Act ( FCBA ), Fair and Accurate Credit Transactions Act ( FACTA ), and applicable statute of limitations laws, as well as state Deceptive Trade Practices Acts ( DTPA ). 

The following items on my credit report are disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ Include any other relevant information about this account. ] I kindly request that you investigate the accuracy of these entries and provide documented verification within 30 days, as required by the FCRA. If you can not verify these entries, I insist on their immediate removal from my credit report, as mandated by federal and state laws. 

Under the FCRA, I am entitled to : A timely response to this dispute ( within 30 days ). 
A free copy of my credit report once this dispute is resolved. 
The removal of inaccurate information. 
Furthermore, the FCRA, FCBA, FACTA, and DTPA emphasize the importance of ensuring that the information on my credit report is accurate, fair, and substantiated. Violations of these laws may result in legal action. 

In addition to the FCRA and FCBA, please consider the following laws that protect consumers like me : The FDCPA, which ensures fair and ethical debt collection practices. 
Statute of Limitations laws, which may apply to the debts in question. 
[ Include any relevant state-specific laws, such as your state 's DTPA. ] Enclosed with this letter are copies of documents supporting my claims, including [ include any supporting documents if applicable ]. 

Please send me written confirmation of the actions taken regarding this dispute, as well as an updated copy of my credit report once the inaccuracies have been rectified. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution. 

Sincerely,

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 2023-09-01 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: IL

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01 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: TX

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: CA

Complaint narrative:
Company wanted to speak to a name no associate with me they also wanted me to verify my ssn however i told them i needed to know where they calling from and who they were. After numerous attempts of trying get information from them, They made verbal threats stating that they would hurt my credit and by law they would withdraw money from my bank account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: UPGRADE, INC.
State: NC

Complaint narrative:
I paid off two accounts I held with upgrade VIA a overnight mailed in check in XX/XX/XXXX ( as required by their company ) and a year later XX/XX/XXXX those accounts were not paid and closed because the checks were applied to the wrong accounts. This in turn left my credit being reported incorrectly for a year, which destroyed my credit and now is effecting the closing of a house I am purchasing. It gets worse In the middle of the process of purchasing a new home the mortgage lender I am using informed me that I owed upgrade money ( Even though I had already paid in full and closed these accounts a year previous ). So I called upgrade and they said that I owed apx {$7800.00} and that I could settle for {$4400.00} and pay that account in full and be done with it. So I did with out thinking and paid that amount. I then later contacted my bank to see if I had paid those accounts already and I was able to obtain a copy of both checks there were made to and deposited and signed by upgrade a year prior. 

So here is where I stand : I paid off XXXX accounts by mail in check on XX/XX/XXXX Both Checks cashed and deposited by upgrade on XX/XX/XXXX Checks were applied to the wrong accounts on Upgrades side causing a years worth of credit discrepancys. 
XX/XX/XXXX I settled and paid an Additional {$4400.00} to an already closed account via online payment XX/XX/XXXX I spoke with collections department about these issues told me to call back in 3 days. 
XX/XX/XXXX I spoke with collections department about these issues told me to call back in 3 days. 
XX/XX/XXXX I spoke with ( Collections team Lead ) and supposedly a ticket was submitted about my accounts told to call back in 3 days XXXX/XXXX/XXXX I was told to call back in 3 days again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 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: TX

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2023-09-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Consumer Portfolio Services, Inc.
State: MI

Complaint narrative:
the debt was bought by another company and they are still reporting as a owed debt. i requested they stop reporting this debt on my credit report. they sold my debt without my knowledge and the vehicle was subsequently repossed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: DISCOVER BANK
State: KS

Complaint narrative:
several credit companies have an incorrect social security number for me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 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
State: SD

Complaint narrative:
Dear PayPal Team, I hope this message finds you well. I am writing to express my deep concern regarding the recent permanent limitation placed on my PayPal account, associated with the email address XXXX. I believe this limitation may have occurred due to a misunderstanding or mistake, as I have always strived to abide by PayPal 's policies and guidelines. 

I wish to clarify that, to the best of my knowledge, I have not engaged in any activities that would warrant such a severe measure. I value the trust and reputation of my PayPal account and have used it responsibly for my online transactions. 

In light of these considerations, I kindly request PayPal to re-evaluate my case and conduct a thorough investigation into the matter. If any discrepancies or misunderstandings have led to this limitation, I am more than willing to provide any necessary documentation or information to assist in the resolution process. 

Having relied on PayPal for secure and convenient online financial transactions, this limitation has caused significant inconvenience and distress. Therefore, I respectfully ask for your prompt attention to this matter and a reconsideration of my account 's status. 

I appreciate your time and understanding in this regard. Restoring my PayPal account would not only alleviate my current difficulties but also allow me to continue benefiting from the services your platform provides. 

Thank you for your prompt attention to this appeal. I look forward to a swift resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 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: LA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2023-09-01 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 urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2023-09-01 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently noticed some inaccuracies on my credit report and I tried to dispute them with the credit agency EXPERIAN.

I have disputed these items before and they came back verified. Which I disagree with because the other credit bureaus are not reporting the same information or not at all which means it is not 100 % accurate.

I sent in a 2nd dispute asking for proof and method of verification. EXPERIAN sent back a generic automated response for all disputes.

This is really frustrating as I am trying to build my credit and purchase a home and these inaccuracies and negligence from EXPERIAN are holding me back.

Attached is a copy of EXPERIANS response for my request of verification method. It is the same response for each dispute. 
Also attached is my certified mail tracking numbers

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 2023-09-01 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: GA

Complaint narrative:
Credit Karma XXXX XXXX XXXX XXXX is violating my consumer rights to privacy And Inaccurate Information on my credit report according to 15 USC 1681b 2, and also has also NO permission to report ANYTHING using my information according to USC 1681 4. I need them delete this unauthorized inquiries and accounts off my credit report. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. I contacted " THESE COMPANIES " and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof. 
THESE ARE THE INFORMATIONS THAT NEEDS TO BE DELETE IMMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/2023, I had an unauthorized transaction posted to my Bank of America account, I immediately called the bank and the merchant- XXXX. The merchant told me that there is nothing they can do, that my account was compromised and advised me to contact my bank, and I did. I called my bank to dispute this transaction as fraud. They temporarily credited my account and began an investigation. I explained to them that I did not make this transaction and that this is not first that I have had a fraudulent transaction with this Merchant since the Merchant already had my credit card information saved under my account and as they advised me my account was compromised. As per the Merchant the purchase was shipped to an address unknown to me, it is not my address and never was my address but it was under my name. Again, I did not make this purchase and I do not know what this address is. My provided me with a recent letter stating that after their investigation they confirmed that the merchandise purchased ( that I was disputing ) was provided to an address listed on my account. This is not true because I was able to get the address where it was shipped to when I contacted XXXX and like I said before, this is not my address and this address is in no way connected to me. Therefore, they put the fraudulent credit back on my account. I called the bank back and provided them with the invoice from the Merchant showing that the address was not my address or any address listed on my bank account, and had them reopen the investigation but the outcome is the same, that they are not crediting this fraudulent transaction. I even contacted the shipping company, XXXX, with the shipping information that the merchant provided me and requested that they hold the package but the package was already on the way to be delivered to the address that was on the purchase, which again is not my address and this was not a purchase that I made or authorized. 

I feel that the Bank did not protect my interests as a customer and I should not be liable for these charges since they are fraudulent. They did not conduct a proper investigation, because if they contacted the merchant they would see that the address was never previously on my account on the merchant 's website nor on my bank account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Re : Dispute of Auto Loan Account, XXXX XXXX Account Number : XXXX To Whom It May Concern : I am writing to formally dispute the information reported on my credit report regarding the auto loan account with the account number XXXX. I believe that this account has violated my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681.

Though the auto loan has been paid off, it shows 2 late payments that I was never aware of. It wasn't in my hands once the auto company took responsibility to pay off the rest of the debt owed. This account was reported on my credit report without my full consent to begin with. Which is a violation of my rights as a consumer.

I understand that under the FCRA, you are required to investigate and respond to my dispute within 30 days of receiving this letter. I also have filed a complaint with the Consumer Financial Protection Bureau. Please notify me in writing of the results of your investigation, and when the information is found to be inaccurate, please remove it from my credit report completely. 

I appreciate your prompt attention to this matter and your commitment to ensuring the accuracy of the information on my credit report. 


Thank you for your cooperation in resolving this matter. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation