vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, 3 Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : 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 XXXXXXXX Balance : {$1600.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$790.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$490.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$9700.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$6400.00} ; XXXX Inquired on XX/XX/2022.

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 2023-10-21 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: CA

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, XXXX Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} ; XXXX XXXX  XXXX Balance : {$790.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$490.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$9700.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$6400.00} ; XXXX Inquired on XX/XX/2022.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-21 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX I filed a claim ending in XXXX for the transactions totaling {$8300.00} that the claim was denied because evidence suggested that the card was present at the time of the transaction and pin may have been used or or signature obtained which I have never received that card or activate it any card in XXXX so that therefore I filed the claim on XX/XX/XXXX another claim ending at XXXX with initiated for transactions {$5000.00} and XXXX cents the claim was denied because evidence suggests that the transaction activity and the questions was authorized and posted correctly to the account which that was false because again I didn't receive the card I asked for a reconsideration and they denied it another claim for ending in XXXX for the transaction amount of {$2300.00} posted between XX/XX/XXXX the claim was denied because evidence suggested that transaction activity in question was authorized and posted correctly to the account which again false because I never received the car claims ending in XXXX XXXX XXXX XXXX and XXXX will remain denied they say because they have evidence pointing towards me that I activated the cards just because it was used with my social security number my name my date of birth still does not mean I was the one who activated the cards I filed a police report I wrote a letter sending them everything that they requested for me and I'm still getting denied

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 monetary relief
Consumer complaint received 2023-10-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-21 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: CA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-21 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: NY

Complaint narrative:
My problem is that paypal has been place a limitation on my account after i request to get help with a couple transaction. Id. de XXXX ) i try many time to made a payment and it was not been completed. i really feel sad with this situation when i always use my account in good way and now this happend. I just try to use my account couple time and that issue place alert to the system and place a limitation. 

after that this limitation was removed but the problem is happen again when i try to use a payment. 

will you please help to resolve the issue or call me to the number registrer on my account please. 

i think sometime the problem using my table can be cause by that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 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: MA

Complaint narrative:
I am submitting this follow-up complaint to inform Experian, XXXX, and XXXX Credit Bureaus that I will be updating my credit reports within a 15-day time period. I am eagerly expecting that the three Credit Bureaus will remove these inquiries from my credit reports. This complaint is a continuation of the previous one dated XX/XX/XXXX. I request that the inquiries listed on this complaint, as well as the previous one, be removed once the 15-day period for credit report updates comes : EXPERIAN : 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

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 2023-10-21 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: FL

Complaint narrative:
I recently submitted a request for an investigation of the disputed account, Since I believed 3 Credit Bureaus didnt properly investigate my dispute. 3 Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the listed account from my file. 

XXXX XXXX Balance Owed : {$30000.00}.

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 2023-10-21 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: NY

Complaint narrative:
I spoke with XXXX XXXX. They waived fees and confirmed I have {$0.00} balance. 
Yet the 3 credit bureaus keeps showing my payment on two XXXX XXXX cards are past due of 60 days. The balance are 0 there is nothing to pay.

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 2023-10-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This is multiple request that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block the listed items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX  Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Reference # XXXX XX/XX/XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX  XXXX 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 non-monetary relief
Consumer complaint received 2023-10-21 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
This is multiple request that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block the listed items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Reference # XXXX XX/XX/XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-10-21 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: MS

Complaint narrative:
I am presenting this follow-up complaint to formally notify Experian, XXXX, and XXXX Credit Bureaus of my intention to update my credit reports within a 15-day timeframe. It is my earnest expectation that these three Credit Bureaus will expeditiously expunge the specified inquiries from my credit records. This communication serves as a continuation of my previous complaint, dated XX/XX/XXXX. I respectfully request that the inquiries outlined in this communication, as well as those in the aforementioned complaint, be expunged upon the completion of the 15-day credit report update period : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 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: MA

Complaint narrative:
I am submitting this follow-up complaint to inform XXXX, XXXX, and TransUnion Credit Bureaus that I will be updating my credit reports within a 15-day time period. I am eagerly expecting that the three Credit Bureaus will remove these inquiries from my credit reports. This complaint is a continuation of the previous one dated XX/XX/XXXX. I request that the inquiries listed on this complaint, as well as the previous one, be removed once the 15-day period for credit report updates comes : 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

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 2023-10-21 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: MA

Complaint narrative:
I am submitting this follow-up complaint to inform XXXX, Equifax, and XXXX Credit Bureaus that I will be updating my credit reports within a 15-day time period. I am eagerly expecting that the three Credit Bureaus will remove these inquiries from my credit reports. This complaint is a continuation of the previous one dated XX/XX/XXXX. I request that the inquiries listed on this complaint, as well as the previous one, be removed once the 15-day period for credit report updates comes : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Personal information incorrect
Company: Tower Loan of Mississippi, Inc.
State: AL

Complaint narrative:
did not sign anything with Tower Loan or XXXX XXXX for them to check my credit with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advantage Collection Professionals, Inc.
State: MN

Complaint narrative:
I am writing to request comprehensive documentation regarding the legal or equitable chose in action pertaining to XXXX XXXX for the account showing on the credit file with Advantage Collection Professionals. In order to facilitate efficient proceedings and ensure all relevant information is accounted within the credit report for, we kindly request the following documentation : Copies of any contracts, agreements, or instruments related to the chose in action. 

Detailed records of any transactions, exchanges, or transfers involving the chose in action, including dates, parties involved, and transactions specifics. 

Information on any legal actions, claims, or disputes associated with the chose in action, including court filings, judgements, and settlements. 

Pertinent correspondence, communications, or notices related to the chose in action. 

Any other documents or records that provide insights into the nature, ownership, or status of the chose in action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-21 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: IL

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-10-21 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: AZ

Complaint narrative:
I would like to place a Fraud alert in my account. Someone has been attempting to obtain a car loan under my name and its frustrating. Please have any company call my number XXXX before running or opening any accounts under my good name. Inquiries were the following : 1. XXXX XXXX XXXX ( XXXX XXXX  ) 2. XXXX XXXX XXXXXXXX XXXX  ( XXXX XXXX ) 3. XXXX XXXX XXXX XXXXXXXX XXXX ( XX/XX/ ) 4. XXXX XXXX ( XX/XX/ ) 5. XXXX XXXX acceptance finance ( credit was run 4 times by this company XX/XX/ ) Transunion

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 2023-10-21 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: FL

Complaint narrative:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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