vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries 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 2024-10-12 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: IL

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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and list of Inquiries 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 2024-10-12 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: AL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-12 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: CA

Complaint narrative:
They are just holding money in my Venmo account. Suspended me and wont tell me why and I need that money to pay bills

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
when i check my credit i notice Experian was reporting unlawful account that was a charge off but still reporting as late payment as well as abundance of other violations which lead to me having MENTAL ANGUISH DAMAGE and Aggrieved Party. 15 U.S C 6805 along with 16 CFR 313 16 CFR 433.3 17 CFR 424. This account has been reporting inaccurately since XXXX of XXXX, and was scheduled to continue to report until XX/XX/XXXX as a Charge Off XXXX states that this is a Certificate of Indebtedness.

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 2024-10-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: PR

Complaint narrative:
I submitted a credit card application on XX/XX/XXXX. Inmediately after submitting i recieve a call from chase fraud prevention dept. asking if I had submitted a credit card application ( i did ). A few days later I get another call from them asking if i had submitted an application. Yet again after speaking to me they said i would recieve a letter with their decision. About a week later i get a letter saying I my application was denied due to a suspected fraudulent application. Again, this is me that is applying for said card. I call yet again and they tell me they require further documentation to verify my identity ( I provide them with pertinent documents such as my ID, passport, SSN ) and call them 3 days later. During this call, I am told that my id and passport were blurry and that i had to resubmit. Chase provides me a new secure link to upload my documents. I make sure to scan the documents again, ensuring they are clear and legible, yet when I call them again, they tell me my application was denied and they were unable to verify my identity and could not provide further details as to why. I have been in a constant back and forth with Chase for 3 weeks and have gotten nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Revenue Enterprises, LLC
State: OK

Complaint narrative:
Dear CFPB, I am filing this complaint against Revenue Enterprises LLC for their failure to comply with my requests for validation of an alleged debt, in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Despite multiple attempts to obtain proper documentation, Revenue Enterprises has failed to provide sufficient information for me to validate the legitimacy of the debt they claim I owe. Below is a summary of the events : - On XXXX XXXX, XXXX, I sent an initial request to Revenue Enterprises asking for validation of an alleged medical debt they reported on my credit report. In this request, I asked for : - A detailed breakdown of all charges, including any collection fees.

- A copy of my signed authorization to release my medical information.

- Evidence that the original creditor authorized Revenue Enterprises to collect the debt. 

- On XXXX XXXX, XXXX, I sent a follow-up letter as they had not responded with the requested documentation within the 30-day timeframe required by law. I reiterated my request for validation, citing both the FDCPA and HIPAA, as I had concerns about the release of my medical information without my consent. I also requested that they cease reporting the debt to the credit bureaus until it was validated. 

- On XXXX XXXX, XXXX, I sent a third letter, emphasizing that the information they had provided so far was incomplete and did not substantiate their claim. The document they sent did not include my address or any identifying details that could link me to the alleged debt. The information appeared fabricated and did not meet the legal requirements for debt validation under the FDCPA. I again requested that they cease reporting the debt and provide proper validation.

Despite these repeated attempts, I have not received the required documentation to validate this debt. Revenue Enterprises ' failure to respond appropriately is a violation of my rights under the FDCPA and FCRA. By continuing to report the debt without proper validation, they have also damaged my credit score unjustly. I am seeking the CFPB 's intervention to ensure that my rights are protected and that this matter is resolved. 

I request that the CFPB hold them accountable for their violations. I also request that the CFPB require them to cease reporting this debt to the credit bureaus until proper validation is provided, or have the debt removed from my credit report entirely. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-12 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: MN

Complaint narrative:
I am writing to formally file a complaint against Equifax regarding their inaccurate reporting of a balance on my closed account with XXXX XXXX. 

I have disputed this issue with Equifax several times, as the ongoing reporting of a balance of {$600.00} on this closed account is both misleading and inaccurate. This situation violates several provisions of the Fair Credit Reporting Act ( FCRA ), including : Section 1681i : The right to dispute inaccurate information in my credit file.

Section 1681s-2 : The requirement for furnishers of information to provide accurate and updated information to credit reporting agencies.

Section 1681e ( b ) : The obligation of credit reporting agencies to ensure maximum possible accuracy in the information they report.

Section 1681c : The rule that closed accounts should not continue to show a balance.

Despite my attempts to resolve this issue directly with Equifax, they continue to report an incorrect balance on this closed account, which is adversely affecting my credit score and financial standing.

I request that the CFPB investigate this matter and take appropriate action against Equifax for their failure to comply with the FCRA.

Thank you for your attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-12 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: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information 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 non-monetary relief
Consumer complaint received 2024-10-12 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: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-12 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: GA

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Exeter Finance, LLC.
State: MI

Complaint narrative:
I had to rescind the contract due to fraudulent misrepresentation. The selling dealership used coercion and manipulation tactics to sell a car that was a result of predatory lending.

As a result, I hereby exercise my right to rescind the contract pursuant 12 CFR 1026.33, and I ask that you provide me with a full refund within 20 days of this notice as required by law. 
You can contact me at email address : XXXX I look forward to a prompt resolution to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-12 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:
Hello Im trying to dispute these late payments from my account XXXX I e contacted the reporting agency numerous times and they claim the information is correct. Which its not if you can look into this I would greatly appreciate it thank you and have a great day.

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 2024-10-12 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:
Back in XXXXXXXX  at the end of the first year of the pandemic my grandparents both XXXX XXXX XXXX XXXX and I had to go out of town to take care of their business my mother and I both went out to their home and were gone for a couple of months during that time I did continue XXXX XXXX XXXX XXXX during his time and ended up XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My California XXXX card was stolen by a person who lived with me and has since been convicted of his crime and I just find his trial so I should know. {$25000.00} was spent and that was all unauthorized I put in my first claim with Bank of America they had a 100 % product protection of clause and the contract and I also submitted police reports and a video evidence submitting on my claims it's the video evidence had the man going to be ATM and getting the money out in several because he knows it with me nowhere to be found cuz XXXX XXXX XXXX  also they denied that way at first within not even 5 days then XXXX claim and then I be getting a letter saying that they were unlawfully denying claims if I didn't agree to reopen my claim and I reopened another one in XX/XX/XXXX and that one was open and pending all the way until I finally started calling them again on the XXXX and then they decided to deny it again with no police there's no basis to deny my claim that's how I know they're not doing any kind of pending until XX/XX/XXXX of this year meaning that claims open for 2 years they have 45 days to make a decision and did not they only denied it only XXXX of this month because I began to call in again now they never did an investigation because if they were and had they do a man was arrested and caught with my california XXXX card and submitted a police report to back my accusation.

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 2024-10-12 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: LA

Complaint narrative:
I HAVE RECENTLY CHECKED MY CREDIT REPORT AND THERE ARE MANY INACCURACIES.

I WANT THE NEGATIVE ACCOUNTS DELETED FROM MY CREDIT REPORT.

SEE ATTACHED UPLOAD

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 2024-10-12 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I HAVE RECENTLY CHECKED MY CREDIT REPORT AND THERE ARE MANY INACCURACIES.

I WANT THE NEGATIVE ACCOUNTS DELETED FROM MY CREDIT REPORT.

SEE ATTACHED UPLOAD

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 2024-10-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
My account has been disabled, preventing me from accessing important information I need to send to the FBI. Despite emailing and contacting the company named Coinbase.com multiple times over the past several months, I have not received any response, which is unacceptable. As a result, I have now reached out to the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
The interest rate went from 5 % to 12.5 % and they will not work with me to decrease it or help with reducing my payments. I paid off the other two loans and they applied the amount paid to the lower interest loans instead of the highest interest loan I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
In XX/XX/year>, I had an identity theft incident which required me to place credit freezes with all 3 of the credit bureaus. When I called Experian at that time, I discovered that someone had fraudulently created an Experian account with my name and address, but their email and phone number. I was told by the agent that my info would be updated and the freeze was placed. 

I am now trying to unfreeze my credit at Experian and have found out that they never updated my personal information. I am unable to log into the account because their automated system keeps sending codes to the fraudulent email and phone number that were created. I have called their customer service phone number 20+ times and have not been able to reach an agent. I have tried every phone number on their website and every option on the automated system, but still have not been able to reach a human. 

To make things worse, the automated system has sent codes to the fraudulent phone number ( even without my asking it to ) and I am worried that the criminal who originally created the account is now able to access my info. I am trying to unfreeze my credit to buy a house and I don't know what else to do at this point. 

I have attached an email and screenshot which show the fraudulent personal info associated with the account ( these are not my email and phone number ).

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