vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-15 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:
Per 15 U.S. Code 1681c2 - Block of information resulting from identity theft.

Block : Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer the information was not submitted in error the information is not submitted on the basis of a material misrepresentation of fact by myself relevant to the request to block I never obtained possession of goods, services, or money as a result of the blocked transaction or transactions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 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: EQUIFAX, INC.
State: CT

Complaint narrative:
It says I was late or bankrupt but I can't find any proof of that.You know those cases, XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX )? They make it pretty clear that this needs to be sorted. So, if you can't find any evidence, could you update it to " paid as agreed, never late ''? 

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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
It says I was late or bankrupt but I can't find any proof of that.You know those cases, XXXX XXXX Experian XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX )? They make it pretty clear that this needs to be sorted. So, if you can't find any evidence, could you update it to " paid as agreed, never late ''? 

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 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

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 2024-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Im unaware of this of this debt. I didn't have a chance to dispute this debt. If you believe you gave me proper notification please send me a certified mail receipt with my signature stating I received this notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 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: CT

Complaint narrative:
It says I was late or bankrupt but I can't find any proof of that.You know those cases, XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX )? They make it pretty clear that this needs to be sorted. So, if you can't find any evidence, could you update it to " paid as agreed, never late ''? 

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 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 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: Netspend Corporation
State: CO

Complaint narrative:
I made a {$90.00} purchase on XXXX on XX/XX/2024 from the XXXX XXXX XXXX, the merchant sent me a messaged XXXX days later stating due to advertising error they will not be shipping my purchase. I contact Paypal Netspend to file a chargeback. XXXX months later dispute finally closed finding in favor of the merchant even after providing proof they haven't shipped my purchase and have no intention of doing so. Paypal Netspend tells me my claim is denied because there was no error made during the transaction. What about buyer protection against fraud? They told me sorry about my luck and contact the merchant. I contact XXXX they told me the money is frozen by the chargeback otherwise they would refund me. I'm out {$90.00} with no explanation as to why. Other than Paypal Netspend probably kept the money from the chargeback and denied my claim.

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 2024-05-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I file XXXX XXXX XXXX XXXX XXXXXX/XX/year> and was XXXX XX/XX/year>. At the time, I had an account with XXXX XXXX XXXX located in XXXX, XXXX Up until the time of filing XXXX, all my payments were paid on-time. Every creditor that I listed on my XXXX schedule has been updated on my credit report as " Included in XXXX '' except for XXXX XXXX XXXX. They continue to illegally report my XXXX account with them as a XXXX with an outstanding balance of over {$10000.00}. I have disputed this account several times over the past year with all three of the major creditors but XXXX XXXX XXXX keeps verifying this account as accurate. Additionally, I continue to be denied credit because of the " XXXX '' that is reporting on my credit report. At this point, I am ready to file a lawsuit for damages. This is my FINAL attempt to hopefully resolve this matter as the credit bureaus and the creditor are obligated to report correct and accurate information on m y credit profile.

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 2024-05-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: DE

Complaint narrative:
last week from XXXX to XXXX I got many unresponsive calls from this number. I always wait for the caller because a live person I will talk to, and they never did. I was told if you do not know the number to do that. I always hang up then block the number, they called me 5 times and did the same thing, no-one talks, I blocked every call. 

This week XXXX I was paper notified they were trying to collect a debt of {$750.00}. I told them I did not owe, never had any notification I owed it because XXXX XXXX does not have a payment plan, they made me pay up front before any work. I went into to get a XXXX XXXXe, they said they had to pull a XXXX XXXX to make the XXXXl work right. I did not agree and as far as when they did pull it, it was very secure, and she worked hard to get it out. They said I had to wait for the XXXX XXXX XXXX  completely before they could do the XXXX, I called them several times to notify them the XXXX XXXX XXXX. XXXX months later I got in. They did all the work and told me I would pay them this amount in full when the XXXX got in. They did call and I went it. The woman at the desk showed me the amount I had to pay up front and I asked what if it does not fit? She said, I would leave there today with it fitting perfect. I asked for the total, and it was what I paid and went back, and they made it work perfect like they said and they were already paid and I thanked them. 
I can not remember how long it was but I got a bill for this {$750.00} amount and I told the woman they made me pay the total bill up front before I even seen the XXXXXXXX. She said to me ok, I will check into it. That was the last time I heard from them. 
I had a XXXX done XXXX  months later, never was told anything, and paid up front for that. So this is someone else 's bill because there is no get the work done before they get paid. I called XXXX XXXX XXXX and they asked for the reference number I gave it to them. Then she wanted me to give them personal information that I am not to give them, she hung up on me. I called them back later and they did the same thing again. This is XXXX without out cause.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XXXX I filed a complaint XXXX with the CFPB. In the complaint I stated : A review of my credit report shows I have a closed secured XXXX XXXX  XXXX credit card. When I reached out to XXXX XXXXXXXX XXXX to let them know I had not received my deposit back after the account was closed, they told me they don't have any records of me ever having an account with them. I explained to them the account is showing on my credit report and if they are saying I have never had an account with them I would like for it removed. XXXX XXXX  XXXX told me I needed to file a dispute with the credit agencies. I filed several disputes with which led to XXXX deleting the account. Experian and XXXX has refused to remove it as they and XXXX XXXX XXXX has returned it as verified. This is a violation of The Fair Credit Reporting Act. All information is expected to be 100 % accurate. 

As of XXXX Experian has not completed their investigation nor have they provided any status update. The Fair Credit Reporting Act states all investigations must be completed in 30 days. Experian has failed to comply with this law.

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 2024-05-15 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX 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 of 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 2024-05-15 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: IL

Complaint narrative:
The company is reporting information without my consent. According to FCRA section 605B it is illegal to report information on my credit report without my permission please remove the following items. Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 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:
The company is reporting information without my consent. According to FCRA section 605B it is illegal to report information on my credit report without my permission please remove the following items. Thank you XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 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 writing to formally request your immediate intervention regarding a fraudulent account reported by Experian on my credit report. Despite my efforts to resolve this matter directly with Experian, the erroneous account remains, negatively impacting my credit score and financial standing. This account, which I did not authorize or open, constitutes a clear case of identity theft. I have attached all relevant documentation, including my formal dispute filed with Experian, a police report, and evidence supporting my claim of fraud. I urgently seek your assistance to have this account deleted from my credit report to prevent further damage to my financial reputation. Your prompt action in this matter would be greatly appreciated.

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 2024-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
XXXX XXXX XXXX subletting his apartment in XXXX for the summer. XXXX, got a XXXX XXXX, and eventually paid the {$2200.00} security deposit on XX/XX/XXXX through Venmo. His Venmo handle was @ XXXX. He went by XXXX XXXX on XXXX and claimed to be an XXXX XXXX. 

After the fact, I texted him a few times on XXXX XXXX to make sure we were still good. He also talked to my mom over the phone so I have his number too XXXX XXXX XXXX. Now hea XXXX me and deleted his email and XXXX. Another XXXX user reached out named XXXX XXXX who also appears to have been scammed. I still have the signed sublease form and XXXX XXXX  history. 

I'm a XXXX XXXX  and {$2200.00} is a lot to me, I need to get this issue rectified in some manner. I am more than comfortable getting law enforcement involved, but I would like to inquire about XXXX XXXX XXXX XXXX. Is there a way to get his XXXX through his Venmo account and hold him liable? Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2024, I identified several incorrect addresses listed on my reports from all three major credit bureaus : Equifax, XXXX, and XXXX. These addresses are : I disputed these addresses with each credit bureau via certified mail on the same date ( XX/XX/2024 ) and requested their removal in accordance with the Fair Credit Reporting Act ( FCRA ). While all three bureaus responded within 30 days, they all denied my request. 

The presence of these inaccurate addresses on my credit report is a violation of my right to privacy under the FCRA and could negatively impact my ability to obtain credit and other financial products. Additionally, having my personal information, including future credit offers, sent to addresses where I don't reside is a significant security concern. 

In my dispute letters, I included copies of documents verifying my current address, such as a valid government-issued ID and a recent bank statement. 

I request that the CFPB investigate this matter and ensure the credit bureaus comply with the FCRA by removing these inaccurate addresses from my credit report. I appreciate your time and attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I am writing to dispute a account that LVNV FUNDING LLC that was recently reported on my credit report. I obtained a copy of my credit report and noticed that [ LVNV FUNDING LLC ] has reported Opened XXXX payment for the account that is incorrect and i have knowledge of this account Upon reviewing my records, I do not recognize this collection account and believe there may have been an error in its reporting. I request that you conduct a thorough investigation into this matter and provide me with documentation verifying the validity of this debt, including but not limited to : Proof of the original debt, including the name of the original creditor and the account number. 
Documentation showing that the collection agency has the legal right to collect on this debt. 
Verification of the dates of the debt, including the date of first delinquency and any subsequent activity. 
I also request that you provide me with the name and contact information of the original creditor associated with this collection account. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and verifiable information on my credit report. I trust that you will conduct a thorough investigation and provide me with the necessary documentation to validate the legitimacy of this collection account. 

Please inform me in writing of the results of your investigation and any actions taken to correct the error on my credit report. You can reach me at XXXX or XXXX if you require any further information. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 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: MD

Complaint narrative:
XXXX XXXX XXXX transaction history reported on my credit report for XXXX and XX/XX/XXXX. Per the FCRA, as a federally protective consumer, I am now opting out any and all authorization, I the consumer may have given you, written, unwritten, verbal and non verbal, per 15 USC 6802. THE PRIVACY ACT OF XXXX. ( 15 USC 1611 ) Criminal liability for willfully and knowing violations. ( 15 USC 1681 ) Accuracy and Fairness of Credit reporting. IT IS ILLEGAL TO REPORT TRANSACTION HISTORY. ( 15 USC 6801 ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public information. ( 15 USC 6802 ) Obligation with respect to disclosures of personal information. ( 15 USC 6805 ) The enforcement of the regulations prescribed there under shell be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulator, the State insurance authorities, and the Federal trade Commission with respect to financial institutions and other person subject to their jurisdiction under applicable law.

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