vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-21 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: EQUIFAX, INC.
State: TX

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.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 explanation
Consumer complaint received 2024-05-21 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: NY

Complaint narrative:
I am XXXX XXXX and I file this complaint on my behalf because I saw inaccuracies on my report such as PAYMENT HISTORY, ACCOUNT STATUS unknown Inquiries and Mis-spelled name and previous addresses, it affects my financial status this past few months,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-21 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am XXXX XXXX and I file this complaint on my behalf because I saw inaccuracies on my report such as PAYMENT HISTORY, ACCOUNT STATUS unknown Inquiries and Mis-spelled name and previous addresses, it affects my financial status this past few months,

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 2024-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: ID

Complaint narrative:
My PayPal account was billed with a false charge that included a phone # to settle. Unfortunately I called the number and gave the hackers access to XXXX XXXX XXXX and credit card accounts. The fake bill was from XXXX and phone # XXXX XXXX XXXX. After they transferred funds within XXXX XXXX XXXX account I withdrew $ XXXX in cash to send by bitcoin ATM. Fortunately I wised up and stopped the transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 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: PA

Complaint narrative:
So, I continue to fight with this company about this debt that does not belong to me. They send me billing statements that at an address that I never lived at, from as far back as XXXX. I am XXXX XXXX XXXX, I have a son XXXX XXXX XXXX. I have a current XXXX account in my name. 
There is no payment history on this account, you send me bills from XXXX, but this account also says it was opened in XX/XX/XXXX and has different last active dates from both Experian and XXXX. 
Please remove this account for the continued mistakes and lack of validation. XXXX has already removed this 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 2024-05-21 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 non-monetary relief
Consumer complaint received 2024-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
TRUIST BANK HAS DENIED MY DISPUTE EVEN THOUGH I REPORTED AS POSSIBLE FRAUD. I PURCHASED AND PRODUCTS/SERVICES NEVER DELIVERED OR PROVIDED STATUS OR UPDATE. I CANCELLED AND NOW THE COMPANY WILL NOT GIVE THOUSANDS OF HARD EARNED MONEY BACK. 
-- - BANK : TRUIST COMPANY : AIR.AI ISSUE : POSSIBLY FRAUD AND NO DELIVERY OF TANGIBLE WORKING SERVICE OR PRODUCT. 
-- -- I was told the monthly cost was $ XXXXmonthly but charged XXXX charges of {$2800.00} initially for a total of {$5700.00}. 
Delivery of products were to be in two weeks and have not received any status or updates. 
I was not provied any access to review my product/services. 
I decided to cancel and request a refund. 

On XX/XX/XXXX, I requested a refund by initiating the request by email. ( see attached file " XXXX Cancellation Services Request XXXX - XXXX '' ). 
On XX/XX/XXXX, I received notification no refunds were available even though no product would be delivered and no status of the delivery of my XXXX XXXX was ever provided. ( see attached file " XXXX XXXX XXXX  - Refund Request Denied.XXXX '' ). 
On XX/XX/XXXX, I received an invoice for a second payment of {$8500.00}. I indicated I desired to cancel the services and request a refund on XX/XX/XXXX, to avoid an issue with XXXX charging my CC/Debit Card I requested to cancel and a refund of funds. ( see attached file " XXXX - XXXX - XX/XX/XXXX XXXX '' ). 

On XX/XX/XXXX, I submitted a dispute claim ( ) for the two separate payments made ( or cleared ) on with TRUIST BANK and the Company Transaction Details | - {$2800.00} | XXXX XXXX XXXX XXXX XXXX XXXX DEBIT CARD PURCHASE | Transaction Date | XX/XX/XXXX and Transaction Details | - {$2800.00} | XXXX XXXX XXXX XXXX XXXX XXXX DEBIT CARD PURCHASE | Transaction Date | XX/XX/XXXX Only one of the transactions ( XX/XX/XXXX ) was stated on the claim response ( Dispute Claim # : XXXX ) from Truist. I therefore submitted another claim on XX/XX/XXXX ( Dispute Claim # : XXXX ) for the second transaction for XX/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 2024-05-21 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: IN

Complaint narrative:
After receiving an unsatisfactory response to my initial dispute, I promptly escalated the matter by filing a Fifth dispute with the bureau. As per the FCRA, the agency is obligated to notify the furnisher of the disputed information and provide them with all relevant documentation. However, they failed to fulfill this obligation, and as a result, the furnisher continued to report the inaccurate information without any verification or correction. I also requested identifying information in reference to any supporting documentation to sustain why the items Ive disputed are continuing to report. I received nothing.

In my previous complaint, I specifically requested identifying information and supporting documentation to justify why the disputed items are still being reported. To date, I have received no such documentation or any satisfactory explanation.

The continued reporting of inaccurate information on my credit report is causing me significant distress and harm. 

I demand that the credit bureau take action on the following items 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 This account is unfamliar to me. Remove this account ASAP.

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 2024-05-21 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: TX

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
My homeowners insurance was raised {$340.00} because TransUnion changed our insurance score to XXXX which changed our insurance from XXXX XXXX to XXXX XXXX. I don't know what our score was before.I have contacted TransUnion and they will not give me the insurance score report. I told them I am entitled to this under Section 612 of the Fair Credit Reporting Act and they refer me to my insurance company who refers me to TransUnion. I want that report to see what their reasoning is. TransUnion acts like this score doesn't exist. Our credit is XXXX, our home is paid off, we always pay our insurance in full when it is due.

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 2024-05-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
Recently, I discovered an entry on my credit report from National Credit Systems for a debt I do not recognize. I believe this to be a case of identity theft, as I have never entered into the rental agreement they reference. 

On XX/XX/2024, I formally requested National Credit Systems to validate the debt, as is my right under the Fair Debt Collection Practices Act. Despite my request, they have failed to provide any documentation or proof that substantiates their claim. Instead, they responded by simply issuing another collection bill, disregarding my request for validation and my rights as a consumer. 

This failure to validate the debt not only violates the federal law that protects consumers from unfair collection practices but also has caused significant stress and potential harm to my financial reputation. I am concerned about the impact this unvalidated debt claim might have on my credit score and overall financial stability.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC
State: MA

Complaint narrative:
My loan was transferred from XXXX XXXX to NewRez LLC d/b/a Shellpoint Mortgage Servicing approximately a year ago. An assignment from XXXX XXXX to NewRez still has not been recorded ( I called XXXX XXXX and they said NewRez has to provide the assignment ). I have reached out to NewRez several times and have repeatedly been told they are unable to help me. This is affecting the title to my property and I don't know how to get it resolved. I am unable to payoff my mortgage or sell my home until the assignment is recorded. Any assistance would be greatly appreciated. 
Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
According to my credit report, I noticed my privacy rights were violated. 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 an 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. The accounts that are in violation of my rights are listed below. XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # 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 2024-05-21 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: OH

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 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: TX

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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 2024-05-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX continues to ignore my request for them to validate the contract/digital signature details as % 100 accurate and complete without information withheld. XXXX has closed Multiple CFPB complaints under the statement that theyve already provided what Ive requested and my complaint is a duplicate. 
I would like to be very clear that XXXX has not validated the information they provided as % 100 accurate and complete without information withheld in regards to account XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-21 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: Kikoff Inc.
State: TX

Complaint narrative:
KICKOFF continues to ignore my request for them to validate the contract/digital signature details as % 100 accurate and complete without information withheld. KICKOFF has closed Multiple CFPB complaints under the statement that theyve already provided what Ive requested and my complaint is a duplicate.

I would like to be very clear that KICKOFF has not validated the information they provided as % 100 accurate and complete without information withheld in regards to account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 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: TX

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ID Analytics, Inc.
State: MS

Complaint narrative:
wrong credit score my credit score is much higher you have my score at XXXX that is not true my score is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I tried signing up with some credit bureaus so I cant check my credit report but for some unknown reason the companies are not allowing me creat an account with them.

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 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I tried signing up with some credit bureaus so I cant check my credit report but for some unknown reason the companies are not allowing me creat an account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have had items deleted from my credit report. It doesnt Show on XXXX but shows on my transunion and Equifax XXXX According to consumer law all bureaus need to report 100 % accurate information. So if XXXX deleted it why Havent the other bureaus either.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-21 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: PA

Complaint narrative:
I am writing to follow up on my previous communications regarding the unverified negative account on my credit report associated with XXXX XXXX XXXX XXXX ( Account No : XXXX ). Despite my repeated requests for deletion and your assurance of an investigation, I have not received any verification or confirmation of the accuracy of this item.

Company response to consumer: Closed with explanation