vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-15 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: MO

Complaint narrative:
I am writing to express my extreme frustration and concern regarding the ongoing issues with my credit report. Despite these attempts to correct these errors, old accounts continue to appear as delayed payments, and late closed and charge-off accounts remain inaccurately listed on my report. The persistent inaccuracies on my credit report are causing significant damage to my financial reputation and are hindering my ability to access credit and secure favorable financial terms. Despite providing comprehensive documentation and evidence to support the correction of these errors, they continue to negatively impact my credit history. Immediate action is imperative to rectify this matter. I expect a thorough investigation into why these inaccuracies persist on my credit report despite multiple requests for correction. Additionally, I demand transparency regarding the steps being taken to address these issues and a clear timeline for their resolution. Please help me correct the late open accounts and remove the late closed and charge off in my credit file immediately : XXXX. XXXX  XXXX XXXX Balance Owed : {$0.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. XXXX. XXXX XXXX XXXX XXXX : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. XXXX. XXXX XXXX XXXX XXXX : {$0.00} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information XXXX be inaccurate. I need this account removed NOW. XXXX. XXXX XXXX Balance Owed : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and high balance. I believe this information may be inaccurate. Immediate removal of this item is necessary. XXXX. XXXX XXXX XXXX XXXX : {$0.00} - Investigate the way this account is reporting the date of last activity, account name, and opening date. I believe this information may be inaccurate. I need this removed now. XXXX. XXXX XXXX XXXX XXXX : {$0.00} - Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please fix it immediately. XXXX. XXXX XXXXXXXX XXXX Balance Owed : {$710.00} - This company has illegally re-aged this account. Please investigate thoroughly and delete for lawful accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Accepted XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Offer Accepted for value received {$8500.00} of the obligation due Pay to the Bearer For Special purposes such as bailment or general deposit. Account XXXX Signature Business By Accommodation : AH/ Agent Without Recourse, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I called Experian today. The person that answered the call had a heavy, non XXXX accent. This threw me off be cause the XXXX credit bureaus, specific to the USA alone, play such a vital role in US citizens being able to obtain mortgages, credit or even employment. When they said their name, they mumbled it. I asked them to please repeat it. They hesitated and repeated it. Her name was either XXXX or XXXX. I asked if the call center was located in the United States. They got upset and didnt want to say. They asked me for the same PII I had already entered into the system via the AI system. I was uncomfortable giving this person my information again. I told them that I had entered my information into the phone AI system already. She was very rude and said she needed the information again in order to verify my identity. I told her that their system already verified me before she picked up the call. She thought I was trying to give her a hard time. These people seem to have no concept or care for how sensitive our PII is. They dont seem to take into account that a large number of the people that end up calling them are doing so because they have been, or currently are, victims of id theft. My credit score had suddenly dropped XXXX points yesterday and I was trying to see why because there was no unauthorized accounts listed on my credit report. There was also some other incomplete information on my report that I needed them to research and clarify. The information I was reading wasnt adding up. I asked her if she would be able to help me with this and she refused to even let me know if she even had the ability to help me with this type of request. She was very pushy, like how those international scammers like to be pushy, and told me she would not even let me know if she could help me unless she gets my information. The sensitive PII that I had already entered into the phone system before she picked up my call. It is absolutely horrifying and appalling to know that our sensitive information is being accessed by disgruntled, foreign workers whose employment isnt even regulated by the US department of Labor. Who are these people that US citizens are having to call when we try to reach out to customer service at these credit bureaus? I thought these credit bureaus were regulated by the US government. The number I called was : XXXX. I got this number off of the Experian website. These credit bureaus should be hiring thoroughly background checked US citizens to assist US citizens with these specific and highly sensitive matters. My sense of trust and reality were violently shaken today. You must fix this. 

Very respectfully, 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 2024-06-14 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: TX

Complaint narrative:
I have identified these items on my credit report that are a result of identity theft. These items are not related to any transactions completed by me. 
The items are as follows : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX as well as the Hard Inquiry listed from : XXXX. I am requesting the immediate removal and/or blockage of all listed items. Each of these companies listing these transactions have already violated my right to be notified of the debt and my right to dispute the debt by just attaching themselves to my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-15 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: CA

Complaint narrative:
My XXXX XXXX account was closed then it was re opened there is no information on last payments, and Im receiving different messages regarding the account. I am currently disputing it with all credit bureaus and TransUnion has a lot of wrong information

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 2024-06-15 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: NV

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-06-14 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: TN

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 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 a 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 informationisinaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Hello CFPB and CCS Team, I am writing today because my credit is still being damaged by this company. I ask that my letter be reviewed and my credit report be updated with the removal of this account ASAP. 

I am being hindered from being able to move forward with my life due to this. 

Please cease and desist any and all communication and reporting of this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 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: TX

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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 2024-06-14 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: FL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, present evidence of explicit authorization for each inquiry, disclose all communication exchanged, share internal records, confirm identity verification measures, and demonstrate compliance with relevant laws.

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 2024-06-14 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: PA

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2024-06-14 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:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2024-06-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Coast to Coast Financial Solutions, Inc.
State: CA

Complaint narrative:
XX/XX/XXXX amount {$520.00} the company list this debt as a collection on my credit. I've never had nor applied for credit with this company. I requested proof of the debt via application and or my signature.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 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: VA

Complaint narrative:
Subject : Urgent Complaint Regarding Withheld Unemployment Funds Dear PayPal Customer Service, My name is XXXX XXXX, and I am writing to file a formal complaint regarding my unemployment funds that have been stuck in my PayPal account for over three years. In XX/XX/2021, I received my unemployment benefits to my PayPal account. Despite numerous attempts to retrieve my funds, PayPal has consistently refused to release them. 

This situation has caused me significant financial distress and inconvenience. I have followed all required procedures and made multiple requests, yet my funds remain inaccessible. I have been homeless for the last three years, and access to these funds would profoundly improve my circumstances. 

Given the prolonged duration of this issue and the lack of resolution, I am left with no choice but to consider legal action against PayPal. However, I am willing to give PayPal one more chance to resolve this issue promptly. If my funds are not released immediately, I will seek compensation beyond the amount owed due to the severe impact this has had on my life. 

I am writing to request your urgent assistance in addressing this issue. Please help me retrieve my funds. What steps do I need to take to resolve this issue? 

This situation has gone on long enough, and I expect a prompt resolution. Please address this complaint with the urgency and seriousness it deserves. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Phone : XXXX Email : XXXX SSN last four : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit is important to me. I have a genuine concern regarding the inaccurate information on my credit report. These inaccuracies are creating constant stress whenever I can not get approved for new credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Inaccurate information on credit profile closed accounts and 1 hard inquiry needs to be deleted 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 XX/XX/XXXX ( hard inquiry ) XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2024-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My account with the company and i was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This complaint is not sent in error. My credit report has some false and not 100 % accurate Information. This inaccurate information is causing undue stress and is affecting me negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: MI

Complaint narrative:
Discover credit card is reporting a open balance on my credit report for a charged off account that is affecting my utilized revolving credit card balance, impacting my credit report as a open charge Off and preventing me from improving my credit and securing a home. 

I called Discover to pay this debt and they have stated they will continue to report it with a balance and not allow me to pay this debt because they sent me a 1099-c. 

I have asked to be allowed to pay this debt so that I can resolve the open balance and they will not take payment for the debt. 

They state the debt is forgiven and refuse to work with me to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 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: CA

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.

TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I couldn't apply for any loans because of these negative items on my report which shouldn't be there

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