vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-28 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: GA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/1984 Urgent Demand for Immediate Correction of Inaccurate Reporting : Upon reviewing my Consumer Reports, I was enraged to find egregious inaccuracies regarding alleged late payments on an account where I have ALWAYS made punctual payments. Under the Fair Credit Reporting Act ( FCRA ), Consumer Reporting Agencies are REQUIRED BY LAW to ensure the HIGHEST degree of accuracy in reporting consumer information. I have NEVER missed a payment on the following account : [ XXXX XXXX XXXX XXXX XXXX 
I DEMAND an IMMEDIATE and THOROUGH investigation into these blatant discrepancies within XXXX DAYS, as mandated by the FCRA. You are REQUIRED to provide undeniable evidence, such as detailed account statements, substantiating the alleged lateness of these payments. FAILURE to furnish such proof within the specified 4-day timeframe will lead to my INSISTENCE that these payments be corrected to reflect their accurate, ON-TIME status, in rigorous adherence to FCRA Section 611, which mandates accuracy and completeness in consumer reports. 
I have consistently met my payment obligations ON TIME and WILL NOT TOLERATE this unacceptable situation. RECTIFY THIS IMMEDIATELY.

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 2024-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Transunion is currently reporting negative information as a violation to federal laws. The U.S. Bankruptcy Court for the Northern District of XXXX  stated that they did not provide information to Transunion and neither did I XXXX XXXX provide information or give them permission to report information. I dispute the validity of the debt that you claim I owe and request that you provide verification of the debt, including the original creditor 's name and address, the amount owed, wet ink signature, My fingerprints, Original contract. Until such time as you provide verification of the debt, I am exercising my right to cease and desist all reporting activities. Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law. Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the original contract. It is alleged debt until it can be proven. With no supporting evidence it must come off the report. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) In closing, please acknowledge receipt of this letter and confirm that you have ceased all reporting activities on this debt. Failure to comply with this request will result in further legal action.

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 2024-09-28 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: LEXISNEXIS
State: GA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-28 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: MN

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX - XX/XX/year> The following inquiry was not authorized and should not be reporting XXXX - XX/XX/year> The following inquiry was not authorized and should not be reporting XXXX - XX/XX/year> The following inquiry was not authorized and should not be reporting XXXX XXXX - XX/XX/year> The following inquiry was not authorized and should not be reporting XXXX  XXXX - XX/XX/year> The following inquiry was not authorized and should not be reporting

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 2024-09-28 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: GA

Complaint narrative:
Improper use of my credit report. In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states I have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late foranypurpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-28 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: MN

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX - XX/XX/year> The following inquiry was not authorized and should not be reporting XXXX - XX/XX/year> The following inquiry was not authorized and should not be reporting XXXX XXXX - XX/XX/year> The following inquiry was not authorized and should not be reporting XXXX - XX/XX/year> The following inquiry was not authorized and should not be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 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: MN

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX - XX/XX/2024 The following inquiry was not authorized and should not be reporting XXXX  - XX/XX/2024 The following inquiry was not authorized and should not be reporting XXXX XXXX - XX/XX/2024 The following inquiry was not authorized and should not be reporting XXXX - XX/XX/2024 The following inquiry was not authorized and should not be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I never received any information from XXXX XXXX regarding my debts or original signature for the debt through Bank of America. I never received any court date. The only piece of mail I got was a judgement with incorrect amounts and information against me in which I tried to hire a lawyer to dispute, the company is not meeting any negotiations with my lawyer for a debt they cant prove or gave me rightful notice on.

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 2024-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-09-28 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: IL

Complaint narrative:
PLEASE REMOVE ALL ACCOUNTS! AS PER THE GUIDANCE FROM THE CFPB THE DOCUMENT NEEDED AS A LETTER DEOM THE ADVOCACY GROUP HELPING ME DUE TO XXXX  XXXX  DEBT XXXX.ACCORDING TO XXXX-DEBT FINAL RULE 1002.142 ( B ) ( 4 ) -5-1002.142 ( B ) ( 7 ), I KINDLY REQUEST THAT YOU BLOCK ALL THE FOLLING ACOIUNTS OFF MY CREDIT REPORT IN 4 BUSINESS DAYS BECAUSE I AM A VITIM OF XXXX  XXXX. THE LISTED ACOOUNTS ARE 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 2024-09-28 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: FL

Complaint narrative:
Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information Creditor Name : XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : XXXX I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 
Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian 's refusal to comply with this law is a clear violation of my consumer rights. 


I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Experian for its non-compliance with the Fair Credit Reporting Act. 
I am seeking the immediate removal of the inaccurate charge off account from my credit report Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that Experian upholds its obligations under the law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL 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 2024-09-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I am a wedding planner, and on XX/XX/XXXX, and XX/XX/XXXX, XXXX clients paid me through PayPal for planning and coordinating their upcoming weddings. Without any prior notice, PayPal has held these funds, which are intended to cover the expenses for their weddings, including payments to various vendors. Only a small portion of these funds is designated for my service fee. 

XXXX wedding is scheduled for XX/XX/XXXX, just a month and a half away, and the other is planned for early XXXX. I do not have the financial capability to advance these expenses on my own. If the funds are not released or refunded, I will be unable to fulfill my contractual obligations, causing significant harm to both my business and my clients ' events. 

PayPal has stated that the funds are being held for up to 180 days to protect against potential chargebacks or claims. However, it is impossible for my clients to file a claim or request a refund since the account is frozen. This puts my clients in a position where they are both unable to access their own money and unable to seek a refund through PayPal. The amount is over {$5000.00} I am requesting that PayPal either release these funds to me immediately or refund the payments directly to my clients so they can arrange an alternative method of payment. Holding these funds for six months without providing a means for resolution is unreasonable, harmful, and potentially in violation of federal regulations. 

Under the Electronic Fund Transfer Act ( EFTA ) ( 15 U.S.C. 1693 et seq. ), unauthorized holds or restrictions on legitimate funds that cause undue harm to account holders are not permissible. The prolonged hold on these funds is causing significant damage to my business and preventing my clients from accessing their rightful payments.

This situation must be resolved immediately. No financial institution governed by the FDIC would be permitted to hold legitimate funds without providing a clear and fair resolution process. I urge PayPal to release the held funds or refund them to my clients within seven ( 7 ) business days to prevent further harm and avoid potential legal action.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-28 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: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 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: LA

Complaint narrative:
I am reaching out for your help concerning this misleading account reported on my credit report. This issue has caused damage to my reputation, and I need your intervention. Your mishandling of my credit report has left me feeling vulnerable, as this misinformation has destroyed my reputation. It is necessary to remove this incorrect information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-28 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: MN

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX - XXXX following inquiry was not authorized and should not be reporting. 
XXXX XXXX - XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX  - XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX  - XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX - XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX - XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX - XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX  - XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXX - XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXX - XX/XX/XXXX The following inquiry was not authorized and should not be reporting.

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 2024-09-28 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: MN

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX - XXXX following inquiry was not authorized and should not be reporting. 
XXXX XXXX - XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX  - XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX  - XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX - XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX - XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX - XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX NA - XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXX - XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXX - XX/XX/XXXX The following inquiry was not authorized and should not be reporting.

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 2024-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accuracy of certain information contained in my credit report. I believe that these inaccuracies violate 15 U.S. Code 1681e ( b ), which mandates that consumer reporting agencies must use reasonable procedures to ensure the maximum possible accuracy of the information included in consumer reports.

Inaccurate Accounts : These account are inaccurate its showing to be charged off monthly. Accounts can only be charged off once. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inaccuracies have significantly impacted my creditworthiness and have caused the following adverse effects : Denial of Credit Applications : Due to the incorrect information, I was recently denied credit, which has caused financial hardship.

Higher Interest Rates : The inaccurate data has led to a lower credit score, resulting in higher interest rates on the credit that I have been able to obtain, costing me more money in the long term. 

Damage to My Reputation : These inaccuracies have caused undue stress and embarrassment, particularly when my credit report was reviewed for housing. 

Financial Strain : The errors have affected my ability to access necessary credit for emergency expenses, impacting my financial stability. 

Under the Fair Credit Reporting Act, specifically 15 U.S. Code 1681e ( b ), I am entitled to have accurate information reported. I request that you investigate these errors promptly, correct the inaccurate information, and provide me with an updated credit report reflecting these changes. These accounts have been removed and replaced back on my report. 

Please provide me with a written response detailing the results of your investigation and the actions taken to correct my report. I appreciate your prompt attention to this matter, and I look forward to resolving these inaccuracies as soon as possible. 

Thank you for your cooperation. 

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 non-monetary relief
Consumer complaint received 2024-09-28 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: PA

Complaint narrative:
I am requesting the PROCEDURES that were used that led to the accounts I disputed to be VERIFIED/UPDATED. 
I am making this request in accordance with 1681i ( 7 ) and 15 USC 611 ( 6 ) ( B ) ( iii ) that the LAW states I should receive within 15 Days after your agency ( EXPERIAN ) receives my request and if Experian FAILS to send the information I am currently stating that I have a right as a federally protected consumer SUE your agency for {$1000.00}.

I am requesting the name ( s ) of the individuals that you spoke to during your alledged investigation along with their address and telephone number ( XXXX ). 
Please do not send me any c silly postcards that state general information about how you conduct your alledged investigations for consumers in general. The LAW states I have a right to request specific information such as names, address, telephone numbers and the procedures that were used that led to the accounts in my disputes to be updated/verified.

All in accordance with 1681i ( 7 ) /FCRA 611 ( 6 ) ( B ) ( iii ).

I received results regarding : Report # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
outcome updated. 
Please send information within 15 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation