vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-21 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:
XXXX HAS FAILED TO PROVIDE PROOF OF MY ASSOCIATION AS AN AUTHORIZED USER WITH ACCOUNTS WITH VERIFICATION SUCH AS WET INK SIGNATURES. 
EQUIFAX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/year> I am writing to formally request that you cease and desist from reporting me as an authorized user on the credit card accounts [ XXXX XXXX XXXX XXXX XXXX XXXX [ XXXX XXXX XXXX ]. Despite numerous requests, you have failed to provide any proof of my consent to be added as an authorized user on this account. 

As a consumer, I have the right to verify and confirm any information that is being reported on my credit report. It is essential that you comply with this request and provide documentation demonstrating that I have indeed given my consent to be added as an authorized user on these accounts. 

Until such proof is provided, I insist that you immediately remove this debt and cease any further reporting of this information to the credit bureaus. Failure to comply with this request will result in legal action being taken against your company. 

I trust that you will take this matter seriously and act promptly to rectify this situation. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 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: SC

Complaint narrative:
According to 605B, this account needs to be removed quickly. I'm angry that it's on my credit record, even though it's not mine. Its presence has upset me, and I feel unwell about the situation. I want it gone, and my credit report corrected.

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 2024-02-20 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: MI

Complaint narrative:
I am a victim of Identity Theft. The following accounts were used unauthorized and it affects my finances badly. I need help, I demand to remove the following accounts from my Credit Report! 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 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: DC

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being.

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 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: FL

Complaint narrative:
Child Support Enforcement : Account XXXX Under the Fair Credit Reporting Act ( FCRA ), I am entitled to request verification of this debt. I previously sent a written request for validation, including a request for a wet signature, which was received by your office on XX/XX/XXXX. However, to date, I have not received the requested validation. Furthermore, I believe that your failure to provide the requested validation constitutes a violation of the FCRA. The FCRA requires that consumer reporting agencies, such as XXXX, follow reasonable procedures to ensure the accuracy of the information they report. By failing to provide validation of the debt, Trans Union, XXXX is not meeting this requirement. Please be advised that I am requesting the following information as part of the debt validation process : Verification of the debt, including the original creditor, account number, and date of the debt. Proof of your authority to collect this debt. A complete payment history, including the original balance, any interest or fees added, and all payments made. A copy of the original signed contract or agreement related to this debt. I request that you provide this information to me within XXXX  days of receipt of this letter. If you are unable to provide the requested information, I request that you remove the disputed item from my credit report in accordance with the FCRA. This is hindering my life progress

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 2024-02-20 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: FL

Complaint narrative:
Child Support Enforcement : Account XXXX Under the Fair Credit Reporting Act ( FCRA ), I am entitled to request verification of this debt. I previously sent a written request for validation, including a request for a wet signature, which was received by your office on XX/XX/XXXX. However, to date, I have not received the requested validation. Furthermore, I believe that your failure to provide the requested validation constitutes a violation of the FCRA. The FCRA requires that consumer reporting agencies, such as XXXX, follow reasonable procedures to ensure the accuracy of the information they report. By failing to provide validation of the debt, Trans Union, XXXX is not meeting this requirement. Please be advised that I am requesting the following information as part of the debt validation process : Verification of the debt, including the original creditor, account number, and date of the debt. Proof of your authority to collect this debt. A complete payment history, including the original balance, any interest or fees added, and all payments made. A copy of the original signed contract or agreement related to this debt. I request that you provide this information to me within 30 days of receipt of this letter. If you are unable to provide the requested information, I request that you remove the disputed item from my credit report in accordance with the FCRA. This is hindering my life progress

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 2024-02-20 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: DC

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible.

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-02-20 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: DC

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-02-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
. 
Remove the following inquiries 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. These are not my accounts. delete the inquiries. This is the 3rd time. Legal action will be taken.

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 2024-02-20 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: WI

Complaint narrative:
. 
Remove the following inquiries 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. These are not my accounts. delete the inquiries. This is the 3rd time. Legal action will be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 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: TX

Complaint narrative:
On XX/XX/XXXX, XXXX found out my PayPal account had been permanently restricted keeping me from getting my XXXX Funds and cash balance out of the account. I have not violated anything in the terms and agreement so at this point my funds are no longer theirs to hold. I have nothing in previous transaction that will explain a legal right for PayPal to hold these funds for any longer. I am having a financial crisis because of this action from PayPal. I will end up in the streets because these funds are being withheld from me. PayPal chose to close my account they no longer have the right to hold my funds. I called several times and on one occasion was lied to about no supervisor because they are all of equal authority. Yet I called again and was told they needed to speak with a supervisor. Remind you now these are recorded conversations. I was told the wallet was getting accessed from XXXX I don't know anyone in XXXX so this was another lie. I feel as fast as they restricted the account they can restore it long enough to get all my funds out immediately. I called on XX/XX/XXXX @ XXXXXXXX XXXX XXXX XXXX  and XX/XX/XXXX XXXX XXXX. 
The amounts of funds are {$1400.00} XXXX {$160.00} I know there is a way to give me access long enough to get these funds out since they closed my account of their own decision. I give them to XX/XX/XXXX for this to be completed. I will also be filing a small claims lawsuit should they feel they can legally hold my money still which has caused a serious financial hardship. 
To resolve this I will need immediate access to my funds. I look forward to PayPal reply ASAP them informing me to receive all my funds immediately. 
I will expect my funds released immediately or I can get in touch with several other organizations that can get this resolved. I'll for sure let the Texas XXXX know about this. XX/XX/XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 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: CORELOGIC INC
State: TX

Complaint narrative:
My right to privacy is being infringed upon by CoreLogic. This Company is disclosing my nonpublic personal information to non-affiliated third party companies such as XXXX, XXXX, and XXXX after I have instructed them to cease in doing so via an opt-out notice.

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 2024-02-20 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: AL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Confusing or misleading advertising or marketing — 
Company: King of Credit Financial, Inc

Complaint narrative:
I wish to file an appeal/legal action/suit against the companies XXXX XXXX XXXX which I believe operate under the name " XXXX XXXX XXXX XXXXXXXX '' since they are illegally withholding my money due to their negligence. 

My name is XXXX XXXX XXXX, I am XXXX, and on XX/XX/XXXX I traveled to the United States, to XXXX and XXXX to visit both cities, XXXX XXXX and tourism in general. 

I needed to rent a vehicle to move around Florida and I booked a vehicle from XXXX with XXXX, which to my surprise advertises a XXXX  phone number but they have no representation here- for this reason I am looking to hold them responsible in the United States ( this is their XXXX XXXX XXXX XXXX ) - I'm attaching the confirmed reservation, proving they know about it. 

It turns out that they receive the payment of the reservation with my credit card and they told me that with that same card I could pay the taxes and other pending charges at the XXXX ( XXXX XXXX ). 

I arrived at the XXXX and at the XXXX XXXX and they did not let me pay with my card because it did not comply with some characteristics that they mentioned, but as I mentioned, to make the initial payment they did accepted my card and they told me that it would not have any problem in the United States .

I have emails, messages and photos where I can prove that they do not want to return my money under null arguments.

Translated with XXXX ( free version )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, VA XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX XXXX, PA XXXX Dear Sir/Madam, I am writing to dispute several hard inquiries listed on my credit report. After reviewing my credit report, I have identified the following inquiries that are inaccurate : XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were not authorized by me, and I have no recollection of applying for credit or services with the aforementioned creditors/companies on the specified dates. As a result, I am requesting that these inquiries be investigated and removed from my credit report as soon as possible. 
I have available to substantiate my claim. This includes any records of communication with the creditors/companies listed above, confirming that I did not authorize the inquiries. 
According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate or unauthorized information on their credit reports. I am exercising this right and kindly request that you conduct a thorough investigation into these disputed inquiries. 
Please provide me with written notification of the results of your investigation and any actions taken to resolve this matter. Additionally, I request that you update my credit report accordingly and send me a revised copy once the disputed inquiries have been removed. 
Thank you for your prompt attention to this matter. I appreciate your assistance in resolving this dispute. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 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:
Under 605B, this account must be taken off ASAP. I'm frustrated that it's showing up on my credit record, even though it's not my account. I strongly request the company to remove it swiftly.

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 2024-02-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
I emailed the company several times regarding the high interest fees and to transfer the liability of my debt to my trust and they would not comply. Ive asked the company to revoke my ach agreement and refund all money that has been taken out of my account without my authorization and i have not gotten an answer. Please his company has taken over XXXX $ out of my account and will. It issue me a refund after I have already mailed in a form of payment. I feel Im a victim of security fraud and I would like this to be handled the best way for this matter. As a consumer my rights have been ignored and violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
In XX/XX/2023, we requested the account be closed. This card belonged to an associate that separated from the company. The card was shredded and no one had access to this card or the account information. There was fraud on the account in XXXX ( XXXX purchases totaling {$1300.00} for charges in these amounts {$120.00} {$64.00} {$170.00} {$74.00} {$360.00} {$520.00} ) as the account was never closed. When the fraud was reported in XXXX, the Truist associate stated that they were reversing the charges while under investigation, and not to pay any of the balance due as the entire statement balance was under fraud investigation. They stated that the next billing cycle I would receive the statement with a {$0.00} balance. I followed their instructions and made no payment on the fraudulent activity. Now we have been charged late fees and are getting collection notices on balances we did not charge. Following the fraud, I made 3 more attempts to close the account and it was only recently closed. Truist has been TERRIBLE to work with and their associates do not convey consistent information. At one point, they charged each of our cards late fees ( that were later reversed ) due to a " system error '' and they duplicated ACH payments on multiple occasions. Their online portal experiences issues all of the time. I think they charge fee and hope that people will not dispute them, or get tired of disputing them and just pay them. Truist is unethical in their fee billing and the worst bank I have ever dealt with. We are in the process of closing all of our accounts with them, but the hits just keep coming.

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