vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-11 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: MI

Complaint narrative:
XXXX XXXX XXXX Dear transunion XXXX XXXX XXXX XXXX Attn : XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pictures of proof included XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX XXXX HISTORY CHANGE FROM XX/XX/XXXX & XX/XX/XXXX was change too XX/XX/XXXX & XX/XX/XXXX. Violation 1 PAYMENT HISTORY ON XX/XX/XXXX : SAYS I MADE A PAYMENT BUT THERE NOT A OK IN PAYMENT HISTORY & WHAT ABOUT XX/XX/XXXX & XX/XX/XXXX violation XXXX REMARKS : NOT SHOWING NOTICE OF DISPUTE. Violation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  IS REPORTING THIS ACCOUNT HAS BEEN CHANGED FROM 90 days late too 60 days late that inaccurate information MAXIMUM DELINQUENCY : XX/XX/XXXX out of date & 90 DAYS NO LATES IN PAYMENT HISTORY. Violation XXXX LAST PAYMENT CHANGED : FROM XX/XX/XXXX TO XX/XX/XXXX THATS A VIOLATION AS OF XX/XX/XXXX UPDATED TO XX/XX/XXXX this account is incorrect .violation XXXX LATE PAYMENTS IN PAYMENT HISTORY : THERE NOT ANY LATE PAYMENTS BUT THE ACCOUNT STATUS SAYS I HAVE 90 DAYS LATE. Violation XXXX Remarks : THERES NO NOTICE OF DISPUTE. Violation XXXX PAYMENT HISTORY : THERE NO LATES & PAYMENT HISTORY HAS BEEN XX/XX/XXXX IN IS NOT REPORTING ON XX/XX/XXXX & THERES NOT ANY LATES IN PAYMENT HISTORY XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX from these dates. Violation XXXX Want both ACCOUNTS removed If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ).

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies Reporting information with actual knowledge of errors 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. 

FILE NUMBERS FROM PAST DISPUTES : XXXX XXXX FOR TRANSUNION STOP UPDATING THESE ACCOUNTS Want removed

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 2024-03-11 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: MI

Complaint narrative:
XXXX XXXX XXXX Dear transunion XXXX XXXX XXXX XXXX Attn : XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pictures of proof included XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX : REPORTING PAYMENT HISTORY CHANGE FROM XX/XX/XXXX & XX/XX/XXXX was change too XX/XX/XXXX & XX/XX/XXXX. Violation XXXX PAYMENT HISTORY ON XX/XX/XXXX : SAYS I MADE A PAYMENT BUT THERE NOT A OK IN PAYMENT HISTORY & WHAT ABOUT XX/XX/XXXX & XX/XX/XXXX violation 2 REMARKS : NOT SHOWING NOTICE OF DISPUTE. Violation XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX IS REPORTING THIS ACCOUNT HAS BEEN CHANGED FROM XXXX  days late too XXXX  days late that inaccurate information MAXIMUM DELINQUENCY : XX/XX/XXXX out of date & XXXX  DAYS NO LATES IN PAYMENT HISTORY. Violation 1 LAST PAYMENT CHANGED : FROM XX/XX/XXXX TO XX/XX/XXXX THATS A VIOLATION AS OF XX/XX/XXXX UPDATED TO XX/XX/XXXX this account is incorrect .violation XXXX LATE PAYMENTS IN PAYMENT HISTORY : THERE NOT ANY LATE PAYMENTS BUT THE ACCOUNT STATUS SAYS I HAVE XXXX  DAYS LATE. Violation XXXX Remarks : THERES NO NOTICE OF DISPUTE. Violation 4 PAYMENT HISTORY : THERE NO LATES & PAYMENT HISTORY HAS BEEN XX/XX/XXXX IN IS NOT REPORTING ON XX/XX/XXXX & THERES NOT ANY LATES IN PAYMENT HISTORY XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX from these dates. Violation 5 Want both ACCOUNTS removed If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ).

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies Reporting information with actual knowledge of errors 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. 

FILE NUMBERS FROM PAST DISPUTES : XXXX XXXX FOR TRANSUNION STOP UPDATING THESE ACCOUNTS Want removed

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 2024-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I viewed my credit report and noticed that there are incorrect accounts.

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 2024-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.

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 2024-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Netspend Corporation
State: LA

Complaint narrative:
I received a direct deposit on XX/XX/2024 onto my PayPal account now l received a message that my transfer was successfully but I never transferred no money I contacted the card my PayPal account linked to which is PayPal Prepaid No Funds she it couldn't have posted yet she didn't see anything I waited till that Monday still no money now I'm trying to reach out to PayPal customer service can't get in my app password was reset still calling finally I reach a representative she recover my account reset my password I gain access to my account I explain to her that my direct deposit was transferred the only card I have on file was XXXX No ma'am Card ending in XXXX XXXX XXXX all I know ok file an appeal go to the resolution center in the app check for updates on your claim I get an email go to PayPal message center I'm locked back out my account back to the phone now she helps change email removes unknown phone numbers tell me that the XXXX ending card been removed but denied my dispute no suspicious activity WHAT? IM VERY UPSET IM MESSAGING THEM IM CALLING IM COMPLYING WITH THEM now I got ta wait on a appeal decision to DENY me again I've been patient I'm bout to be no lights no water and homeless I need my money please PayPal is 100 % Accountable I trusted them with my money that's y'all job to notice usual actions I'm contacting y'all after every email of someone trying to login to my account I have never been so stressed out I'm so hurt I'm just so broken behind this I'm reaching out to you today to PLEASE PLEASE HELP ME

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 2024-03-11 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: FL

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 XXXX 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 non-monetary relief
Consumer complaint received 2024-03-11 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: FL

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, Equifax, 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 XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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: TX

Complaint narrative:
There are some fraudulent inquiries on my credit report.

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 2024-03-11 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: GA

Complaint narrative:
I spoke with someone Saturday XXXX XXXX  XXXX  regarding this matter. he said he would send it to my email its been days and he haven't I took the steps he recommended and got an ftc report. He said he would send it to a address on file name XXXX which I never stayed at that address is not even tied to none of my credit reports or accounts reporting on file. So he said I would send it to your email he never did. And I have that call on recording. This account is fraud and im requesting immediate removal of this account. As the information you guys are reporting is not accurate. And if so if you believe this is me please provide copies of id, social and a copy of the contract / application that i signed which I know i never had also provide me with footage of 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 2024-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: EVERBANK, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
On Friday XX/XX/XXXX I tried to login to my account to confirm routing & account numbers for direct deposit. I got an error saying my account was locked due to " too many failed attempts '' and to call customer service. I called customer service to see why the account was locked, I was told the account was going to be closed. When I asked why I was told that it appeared that a XXXX Transaction to XXXX XXXX in the amount of {$140.00} had been flagged as fraudulent. This was a completely legitimate transaction I made via the app to my wife which could have been verified over the phone, text, or email very easily. 

When I asked for specific information instead of what " appeared '' to be the case I was told I would need to speak with the fraud department so after sitting on hold I was told they had gone home for the week and to call back on Monday. I called today XX/XX/XXXX at XXXX to speak to the fraud department and I was told I'd be receiving a call back with the next 15-20 minutes, it's been over 2 hours with no call. After repeated calls I finally spoke to XXXX and she confirmed the reason the account was closed was due to a perfectly legitimate XXXX Transaction. I find this to be unacceptable

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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: PA

Complaint narrative:
I noticed unauthorized credit inquiries on my report.

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 2024-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
After examining my credit report, I observed inaccuracies in the listed accounts.

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 2024-03-11 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: TX

Complaint narrative:
I feel frustrated, unhappy, and troubled by the situation regarding my credit report. There are late payment remarks on some of my accounts, even though I have consistently made on-time payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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: FL

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 XXXX 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 2024-03-11 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: PA

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
There are no fraudulent charges but my card was blocked. 

I called to verify my identity and gave them all my information and the correct cell phone and security word. 

They said that they have to send me a physical letter which can take XXXX  days or more to arrive and that my family and I can not use the card until then. 

I asked if I could go to a physical branch to prove my identity and they said no. 

I asked why this happened and they told me they can't provide me with the information. 

I asked what about all the auto payments and they said to find another way to pay. 

I called them several times and nobody was able to help me.

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 2024-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
On XX/XX/24 Bank of America XXXX app showed total balance {$3300.00}. I paid {$500.00} on XX/XX/24 and XXXX on XX/XX/24. Payments cleared my bank. I checked mobile app on XX/XX/24 to confirm {$0.00} balance ; however, showed {$71.00} balance for interest, after I paid the total balance in full. 

I called Bank of America on XX/XX/24 requesting the {$71.00} be removed since I paid the total balance in full. 

In addition, when i initially applied for the application, I was approved and sent mulitple cards for multiple accounts. Bank of America has opened multiple accounts and inappropriately charged interest after account was paid in full.

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 2024-03-11 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: VA

Complaint narrative:
I was looking at my credit report and noticed that there were hard inquiries that are not mine on 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 explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
A collection account which I am not aware of just popped up on my TransUnion consumer report. XXXX XXXX XXXX, XX/XX/2024 I am unaware of this debt. I didn't have the opportunity to dispute this information. If, in fact, you believe you got me proper notification, please provide the certified receipt with my signature on it.

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 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-03-11 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint a gainst you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint a gainst you!

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