vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-21 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: MD

Complaint narrative:
Subject : Demand for Immediate Deletion of Inaccurate Account Information on Credit Report : I am writing to urgently address a critical issue regarding inaccurate information on my credit report, specifically related to my XXXX XXXX XXXX account. Despite previously disputing this account with Experian and XXXX XXXX XXXX on XX/XX/XXXX, where it was verified as accurate, there are still glaring inaccuracies present as of XX/XX/XXXX. 

The account number on my credit report, XXXX, differs from both the original loan contract number ( XXXX  ) and the payment history provided by XXXX XXXX XXXX ( XXXX ). Furthermore, the reported last payment date on my credit report is listed as XX/XX/XXXX, whereas my actual last payment date for this loan was XX/XX/XXXX, according to my records and payment history. 

These inaccuracies harm my creditworthiness and financial credibility. The flawed investigation post-dispute was a blatant violation of my rights under the Fair Credit Reporting Act ( FCRA ), which ensures the accuracy of information in consumer credit reports. Furthermore, the discrepancies in the account information provided by XXXX XXXX XXXX and reported by Experian constitute violations of the Truth in Lending Act ( TILA ) and the Fair Debt Collection Practices Act ( FDCPA ). These violations of my rights provides grounds for the immediate deletion of this account from my credit report. 

I demand that Experian conducts a prompt re-investigation and deletes the inaccuracies associated with my XXXX XXXX XXXX account within 30 days. I also request written confirmation once these corrections have been made.

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 2024-03-21 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: W&A Intermediate Co., LLC
State: GA

Complaint narrative:
I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. XXXX. I PRESUME THAT NO PROOF OF THE ALLEDGED DEBT, NOR THEREFORE EXISTS PUSUANT TO 18 USC 8, I OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681-B2 COMPANY HAS NO PERMISSION TO REPORT MY INFORMATION PER 15 USC 1681-4.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX Account Number : XXXX - XXXX XXXX  Account Number : XXXX - XXXX  Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I sent {$1200.00} to XXXX to a XXXX  there who needs the money to buy XXXX  to the US. The transaction was : You sent XXXX  {$5900.00} XXXX  to XXXX XXXXXXXX XXXX XXXXXXXX XXXX Transaction Details Transaction ID XXXX Transaction date XX/XX/2024 SENDER XXXX XXXX XXXX RECIPIENT XXXX  XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Funds will be available to your recipient on or before : XX/XX/2024. 
Money sent XXXX  {$5900.00} XXXX  = {$1200.00} USD Fee {$0.00} USD Paid with : XXXX XXXX {$1200.00} USD This transaction will appear on your statement as PAYPAL XXXX You paid {$1200.00} USD ( the amopunt was withdrawn from my bank ) XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX receive XXXX  {$5900.00} XXXX  Recipient may receive less due to foreign taxes. 
Currency Conversion Converted from {$1200.00} USD Converted to XXXX  {$5900.00} XXXX PayPal 's Conversion Rate XXXX USD = XXXX XXXX  This rate includes a currency conversion spread. 
PayPal released only about 20 % of the amount to the recepient, and said that the rest will be released around XX/XX/XXXX. The money is urgently needed to buy a ticket to the US for this XXXX  ( he alraedy has the US visa ). There is no reason to hold on to the money by PayPal. When I complained ( twice ) to PayPal they gave me some idiotic explenation that the " recepient Paypal average transaction amount was exceeded ''. Makes no sense. They said that the recepient must call the XXXX  office of Paypal to release the remaining money. XXXX XXXX has spent one entire day trying to connect to the XXXX  number of PayPal, without success. In the meantime the cost air fare is increasing. I spoke to three different people of PayPal, including a supervisor, without any effect. Please order PayPal to immediately release the money to the recepient, or to return the money to me immediately. 
Thank you XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 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: AZ

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I reviewed a copy of my credit report and it was showing two 30 day lates, I called XXXX XXXX and disputed the entries and the rep wasn't able to explain why 30 day lates where showing. I requested they be removed and they haven't been removed. I sent the dispute in writing, I also sent an Opt Out disclosures and the Civial Liability laws requesting that they be 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 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I reviewed a copy of my credit report and it was showing two 30 day lates, I called XXXX XXXX and disputed the entries and the rep wasn't able to explain why 30 day lates where showing. I requested they be removed and they haven't been removed. I sent the dispute in writing, I also sent an Opt Out disclosures and the Civial Liability laws requesting that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 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: CA

Complaint narrative:
I reviewed a copy of my credit report and it was showing two 30 day lates, I called XXXX XXXX and disputed the entries and the rep wasn't able to explain why 30 day lates where showing. I requested they be removed and they haven't been removed. I sent the dispute in writing, I also sent an Opt Out disclosures and the Civial Liability laws requesting that they be 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 explanation
Consumer complaint received 2024-03-21 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: TX

Complaint narrative:
Kindly eliminate these queries. I lack any relevant information on this matter, and the company proceeded without my approval.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXXXXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : 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 2024-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Patient Accounting Service Center
State: AZ

Complaint narrative:
I receive constant daily voice mail to contact this collection agency. I do not owe any money to anyone and have great credit. I know this is a scam and I am on the FCCs DO NOT CALL list

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 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: AZ

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 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: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXXXXXX XXXX || Date of inquiry : XX/XX/year>. XXXX. || Date of inquiry : XX/XX/year>

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 2024-03-21 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: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : CAPITAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-21 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:
There is an inquiry on my Equifax credit report that does not belong to me. I demand the following fraudulent inquiry be deleted from my Equifax credit report immediately. Please remove the following- XXXX XXXX XXXX XX/XX/year> thank you, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 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: CA

Complaint narrative:
Last year i found out that i was a victim of identity theft and i contacted the bureaus and they told me what to do. Even do i followed their instructions to the tee, they havent removed the accounts caused by 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 2024-03-21 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the 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 2024-03-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: TX

Complaint narrative:
On XX/XX/year>, a payment of {$120000.00} was submitted to Edfinancial Services to pay off my federal student loans. The company, Edfinancial Services sent me a payment confirmation email for the amount mentioned above. 

After processing, the {$120000.00} was successfully processed from the bank and removed from the bank account ; verified on XX/XX/year>. However, Edfinancial Services only applied XXXX of the full payment and did not apply the payment to XXXX of my accounts which I had specifically selected to be paid off. 

On XX/XX/year>, I called Edfinancial Services at their customer service line ( XXXX ) XXXX, to ask about the missing {$23000.00} that I paid towards my federal student loan accounts. I was informed that they do in fact see that XXXX of my loans for a total of {$23000.00} had not yet been paid off despite the fact that I paid the full quantity of this specific account on XX/XX/year>. I was not given a clear explanation of why payment was not applied to this account. I attempted to get clarification on why this account had not been paid off. They said they would send my issue to their " audit team '' who would takeover my case. 

I then asked about how long I should expect until my issue is resolved since there is {$23000.00} no longer in the bank account and the interest rate of 6.540 % is significant on the loan account which already had a submitted payment on XX/XX/year>. I was informed by Edfinancial Services ' representative that I am still liable for the interests that accrues and he could not provide any timeline for how long the issue would take to resolve. He told me the audit team would take care of it. He said that he could not tell me that the issue would come sooner than later and that this is a busy season. 

Lastly, I asked for any kind of confirmation such as email regarding his proposed solution to my issue. However, no confirmation was provided since he explained that anyone I talked to in the future at Edfinancial Services would know about my case. 

I should not be liable for interest on an account that was paid for already with email payment confirmation, successful bank processing of the payement, and the fact that this issue originates from their end, not mine. It is also unreasonable that they can not provide a turnaround time for my case. Over {$23000.00} is a significant amount for my family and more needed to be done to address that as of this writing it is seemingly unaccounted for. 

I requested to make a complaint and the representative verbally agreed that he would submit one on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have opened Capital One venture X Business Credit card in XX/XX/2024. After using the card for just XXXX weeks the card was blocked for no reason and " additional verification '' was requested. I complied with the process and provided my passport, proof of address, statements, etc. The card was unblocked. After working for only a few weeks the card was blocked again for no reason whatsoever. Phone calls to the department of fraud remain unresolved, I was sent for another " verification with the back office ''. This process I was told will take XXXX business days and meanwhile I can not use the card for my business expenses. Overall, my card is spending more time being " blocked '' by the bank than used. After a considerable annual fee I paid for its use this is not acceptable. It is blocking my ability to carry out my business and causes undue stress and time wasted on the phone with agents who are unable to provide any information whatsoever. I politely ask that the company refunds my annual fee for all the inconveniences they are putting me through. I also suspect that they block people to prevent them from using the card to be given a sign up point bonus. The request for spend is very high, {$100000.00}, and by blocking the card constantly they are preventing me from meeting this spending requirement and qualifying for the point bonus they advertise. They are scamming the consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 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: AZ

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

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