vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-17 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: TX

Complaint narrative:
I am writing to dispute fraudulent accounts reported to XXXX under my name : XXXX XXXXXXXX XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX - Account Number : XXXX XXXX  - Account Number : XXXXXXXX XXXX - Account Number : XXXX XXXX XXXX - Account Number : XXXX I have requested an investigation and removal of these accounts but no action has been taken. The entities are in violation of 15 US Code laws, specifically 15 USC 1681s-2 and 15 USC 1691N . I urge immediate intervention to resolve this issue and hold the entities accountable for non-compliance with the aforementioned US Code laws. I have provided an attachment of what is wrong.

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 2024-08-17 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: FL

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 information is inaccurate.

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 2024-08-17 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: CO

Complaint narrative:
There is showing that I was 30 days late on a payment but the account was paid off and closed in the same month

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have sought legal representation for this matter. The matter at hand is that Truist Bank opened a Ready Now Line Account/Loan without my request and knowledge of such. I am now being forced to pay late fees and have charges coming out of my checking account, in order to pay on the ready now line account. I did not authorize this loan and will continue to dispute the dishonesty, lack of integrity, financial burdens and poor customer service ; that Truist Bank has shown to 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 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Held : the District Judge erred in refusing petitioner 's demand for a trial by jury of the factual issues related to the question whether there had been a breach of contract or a trademark infringement, and the Court of Appeals should have corrected that error by granting the petition for mandamus. Pp. 369 U. S. 470-480.

Dairy Queen , Inc. v. Wood, 369 U.S. 469 ( 1962 ) When the SEC seeks civil penalties against a defendant for securities fraud, the Seventh Amendment entitles the defendant to a jury trial.

SEC v. Jarkesy, 603 U.S. ___ ( 2024 ) Writ of Mandamus Case 2:23-cv-01923-CDS-MDC Document 28-6 Filed 01/24/24 Page 1 of 18

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 2024-08-17 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: GA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. I want the fraudulent accounts to be removed from my credit report immediately because they hurt my ability to obtain credit.

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 2024-08-17 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: W&A Intermediate Co., LLC
State: GA

Complaint narrative:
Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, PC Account Number : XXXX Amount : {$960.00} I received multiple collections attempts from Wakefield and Associates through text messaging, and calls. The date itemized XX/XX/XXXX, but Wakefield and Associates have reported the date of XX/XX/XXXX to all credit bureaus re-aging is an illegal act due to FCRA Section 623 ( 5 ) ( A ). 

A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than XXXX  days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. 

re-aging an account means that a debt states differently than the original date of the XXXX  debt. If there is a different date ( meaning it has been changed ) it is an illegal practice of re-aging. Re-aging is illegal under the FCRA ( Fair Credit Reporting Act ) for a few reasons. Not only will re-aging allow a collection to remain on your credit reports in-perpetuity, but because it can seriously destroy credit scores. 

The XXXX, known as the date of XXXX  delinquency, determines how long a negative account can remain on your credit report. Officially, the XXXX is the date that your account became XXXX  days late with no payments made. 

The account should be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 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:
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 information is inaccurate.

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 2024-08-17 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 am writing to dispute the following fraudulent accounts reported to Equifax under my name : XXXX XXXX & XXXX - Account Number : XXXX XXXX XXXX - Account Number : XXXX XXXX - Account Number : XXXX XXXX  - Account XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX - Account Number XXXX XXXX I have requested an investigation and removal of these accounts, but no action has been taken. The entities associated with these accounts are in violation of 15 US Code laws, specifically 15 USC 1681s-2 and 15 USC 1691N .

I urge immediate intervention to address this issue and hold the responsible entities accountable for their non-compliance with the aforementioned US Code laws on my Equifax report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-17 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:
Permission to use my identity and to report any of my personal information was not granted to any of the following companies. 

Hard Inquiries : 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 Account : XXXX XXXX XXXX {$320.00} Account : XXXX XXXX  Bank XXXX Total fraudulent amount : {$130.00} Account : XXXX XXXX Bank XXXX Total fraudulent amount : {$93.00} Account : XXXX XXXX Total fraudulent amount : {$600.00} These fraudulent accounts are a violation of my rights according to 18 U.S. Code 1028A - Aggravated identity theft which states ( a ) Offenses.

( 1 ) In general.

Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. 

Despite numerous attempts to get XXXX, XXXX and Transunion to clear them from my consumer report, my rights continue to be violated and my life negatively impacted. I demand for these items to be removed from my report immediately and updated reports mailed to my current address.

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 2024-08-17 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: GA

Complaint narrative:
Permission to use my identity and to report any of my personal information was not granted to any of the following companies. 

Hard Inquiries : 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 Account : XXXX XXXX XXXX {$320.00} Account : XXXX XXXX  Bank XXXX Total fraudulent amount : {$130.00} Account : XXXX XXXX Bank XXXX Total fraudulent amount : {$93.00} Account : XXXX XXXX Total fraudulent amount : {$600.00} These fraudulent accounts are a violation of my rights according to 18 U.S. Code 1028A - Aggravated identity theft which states ( a ) Offenses.

( 1 ) In general.

Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. 

Despite numerous attempts to get XXXX, Equifax and XXXX to clear them from my consumer report, my rights continue to be violated and my life negatively impacted. I demand for these items to be removed from my report immediately and updated reports mailed to my current address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
On XXXX I made 2 transactions to the below Crypto Wallet addresses. Both showing as successful in the Crypto Trackers and at the originating institute ( XXXX ). 
However, just one transaction was added to my account, a detailed below : The transaction to PayPal Crypto address : XXXX for XXXX XXXX was correctly transferred to my PayPal account. 

However, the transaction to PayPal Crypto address : XXXX for XXXX XXXX, did not reach my account and still at this PayPal transient address. 

Both addresses were provided by PayPal on XXXX for the purpose of fund transfer into my PayPal account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 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: HI

Complaint narrative:
Experian is breaking federal law Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] The consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. ( THIS IS MY SEVENTH TIME OVER THIS YEAR TRYING TO RESOLVE THIS ISSUE WITH EXPERIAN, THE OTHER TWO AGENCIES COMPLIED AND DELETED THIS ITEM SO HOW EXPERIAN IS SAYING THIS INFORMATION IS VERIFIED AND CORRECT )? 

On case law XXXX XXXX XXXX XXXX XXXX XXXX  Experian Information Solutions , Inc., XXXX XXXXXXXX XXXX, XXXX XXXX. XXXX, XX/XX/year> ( XXXX XXXX XXXX XXXX XXXX XXXX and case law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Information Systems , Inc. XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ), child support accounts are not credit transactions and they are judgments.

According to the case law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> ( XXXX XXXX ), judgments are not considered credit transactions, and it is illegal to report them on a credit report.

The inclusion of these accounts on my credit report is a violation of federal law, and it is affecting my LIFE ADVERSELY.

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 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Throughout this and last months, beginning on XX/XX/XXXX, I've tried to reach out to XXXX of TransUnion and XXXX ( XX/XX/XXXX ) to get an account to manage a credit freeze. Every time, both credit bureaus put me on long holds, and once someone answers the line, he or she gives me the wrong instructions to create an account. 

I am totally frustrated with the lack of service of these agencies charged with monitoring personal credit. Once I got a hold of a TransUnion employee, I decided to deactivate my account since I couldn't log in to it. XXXX is just as bad in not even attending to their phone or providing a way to access the service. Both bureaus stonewall me to access a credit freeze.

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 2024-08-17 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: TX

Complaint narrative:
I am writing to formally dispute the collection account reported by XXXX XXXX XXXX  for {$930.00} on my credit report. This account is being reported without proper validation or assignment documentation, which is a violation of both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

1. **Lack of Debt Validation** Under **15 U.S.C. 1692g** of the FDCPA, a debt collector is required to provide a validation notice within five days of their initial communication. This notice must include information about the debt, such as the amount owed, the name of the original creditor, and a statement of my rights to dispute the debt. To date, I have not received any such notice, nor have I received any evidence that verifies this debt. 

XXXX. **Lack of Assignment Contract** Furthermore, I have not been provided with any assignment contract that shows XXXX XXXX XXXX has the legal right to collect on this debt. Without this documentation, the collection agency can not legally pursue this debt or report it to the credit bureaus.

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 2024-08-17 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: CA

Complaint narrative:
In XXXX I filed a complaint to XXXX XXXX regarding the 30 day late they reporting to the 3 major credit bureaus Experian XXXX and XXXX. The 30 day late was due to my credit card being stolen and used fraudulently. XXXX XXXX  disputed the fraudulent charges and reimbursed me those funds since they verified that they were fraudulent inquires. XXXX bank still has not removed the inaccurate 30 day late they reporting to the credit bureaus in XXXX which were a direct result of those fraudulent inquires. Please contact XXXX  bank and finish the investigation and remove that fraudulent 30 day late they are reporting to Experian XXXX and XXXX. That is due to the fraud transactions and I should not be held responsible. If this issue is not resolved I feel obligated to pursue this with legal action. XXXX investigation team please make sure to respond to me with results and don't close this complaint I am submitting without give me results and saying you are working on it because XXXX XXXX  is not helping me and the costumer support they offered me was horrific and I will contact the XXXX  as well. 


XXXX XXXX  reported a 30 day late payment to the 3 major credit bureaus Experian XXXX and XXXX for the month of XXXX of XXXX. Since XXXX of XXXX I was hospitalized due to a terrible car accident which my wallet was lost and stolen. Due to my wallet being stolen my social security number along with all my credit card were compromised and used. There were fraudulent transactions that were done on my XXXX  card from XX/XX/XXXX up until XX/XX/XXXX. I have recently been XXXX a couple weeks now and I have disputed all the fraud transactions. Due the fraud transactions I should not be held responsible for the 30 day late payment and XXXX  should remove it because I did not once get a fraud alert that my XXXX  card was being used without my knowledge. XXXX failed to report fraud transactions to me which resulted in the account to go 30 days past due and report to the bureaus. If this issue is not resolved and the 30 day late payment is not removed from my credit reports I will be filing a law suit against XXXX in the small courts claim where I have all proof to show XXXX is breaking FCRA laws. I have been with XXXX  since XXXX and I have never had an issue such as this. Please resolve this problem in a timely manner. Thank 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 explanation
Consumer complaint received 2024-08-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
A payment of the full balance was tendered to Amex and they refused to accept principal coupon payment and apply it as paid in full They continued to try to collect the debt after they charged it off. Two other collection companies are now trying to collect on the same debt. XXXX and XXXX. Amex has reported account 90 days past due, when account has been closed since XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 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 recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. I want the fraudulent accounts to be removed from my credit report immediately because they hurt my ability to obtain credit.

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 2024-08-17 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: GA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. I want the fraudulent accounts to be removed from my credit report immediately because they hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief