vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, 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 submitted a complaint last XX/XX/2023 and it was closed immediately. I submitted a complain again last XX/XX/2023 and again it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.

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 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian has failed to handle this matter via multiple communications of disputes, i.e., phone, letters, dispute resolution center, and CFPB. These attempts have been frustrating and mentally draining, not to mention financially damaging. The failure to provide an appropriate lawful and legal response will only have me seek further action. I asked that you respond no later than 10 calendar days ; if not, I will see this as Experian agreeing to the alleged debt is not valid. I also require that your response not be one of verified or been verified I asked that you verify, validate, and show legal and lawful documentation stating or showing I am LEGALLY obligated or responsible to pay these alleged debts. Just stating verified and been verified are not lawful or legal responses. Please delete the following INSTANTLY from report # XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX ( reporting two potentially negative months ), XXXX XXXX ( reporting 72 potentially negative months )

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 2023-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
XXXX ) I bought a belt from a company- XXXX  on XXXX  on XX/XX/XXXX which was for {$85.00} XXXX ) They didnt send me the belt, I kept following up for a month where is my package but never received it. 

XXXX ) I asked the company to refund my amount as I havent received the product. They sent {$440.00} ( via PayPal ), which the seller company mentioned was a mistake. However, the belt was for {$85.00}. 

XXXX ) Yet, I transferred back the extra amount on XX/XX/XXXX which is {$330.00} ( After removing the cost of belt and PayPal fees ) via XXXX  app ( since it was to XXXX account ) ( XXXX  reference number : XXXX ). The company received the amount on XX/XX/XXXX. 

XXXX ) On XX/XX/XXXX, they filed dispute on my PayPal account. PayPal reached out to me regarding this dispute and I provided enough evidence that this is clearly a scam. However, on XX/XX/XXXX, Payal took out money {$420.00} from my account leaving my account in negative balance. 

XXXX ) I reached out to PayPal telling this is a scam from this company. However, they mentioned since the excess amount was returned from third party application, PayPal can not take any action on this transaction Please let me know if you need any of the evidence, I have secured all the images of conversation as well as transaction IDs.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC.
State: LA

Complaint narrative:
I have disputed this account and reported it as fraudulent account open in my name I advised them that I am a victim of identity theft and have been dealing with fraudulent accounts open in my name, on XX/XX/2023 I received a called from a collection company claiming to be a lawyer for Netcredit and they are attempting to collect on their client behalf. He told me that he see the notes on the account and that if I dont pay they going to sue me and from the looks of it Im not going to do anything. I ask them for the company number that their representing he wouldnt give me the number

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, 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 a human being. I have rights under 15 USC 1681. Equifax is govern by 15 USC 1681. They have violated my rights several times. I demand the accounts below to be removed from my credit report because according to 15 USC 1681 I have the right to privacy and did not give Equifax written permission to furnish these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: HW Holding, Inc
State: VA

Complaint narrative:
I received a notification of a negative report on all 3 of my credit bureaus from Hunter Warfield for {$3300.00}. I was not given any notice of this debt nor was I afforded my rights as a consumer to dispute the validity of this debt. 

I do not believe this debt to be valid and the collection company was unfair to report this on my credit report causing me financial harm without notifying me in advance and giving me an opportunity to avoid this financial harm. 

I called the collection company on XX/XX/XXXX  to let them know that I was disputing this debt and to get their email so that I can send an email letting them know that I officially dispute this debt and to request more information from them. I was transferred to XXXX XXXX who was reported to be a manager. 

After expressing my concerns to XXXX, I was told that they attempted to call me but left several messages. Unknown and robocalls are often blocked through my phone settings so I didn't receive any calls or messages from Hunter Warfield. When I have received messages in the past, they don't have any specific details about the debt they're calling about which could have easily led me to associate the calls to the account I currently have in collections with the company. 

XXXX also said that Hunter Warfield hasn't mailed me any correspondence ( although they had my mailing address from another debt I had in collection with them in recent months which I have recently paid in full ). I couldn't understand why they mailed me a letter about the last account I had in collections but not this account. 

They chose instead to email me. By his own admission, these emails often end up in spam, junk, and promotion folders which are essentially undelivered. In fact, these emails are deleted on a schedule. I never received a call, an email, or a letter in the mail regarding this debt. I can't help but feel blindsided and treated very unfairly by their methods of communicating with consumers and subsequently reporting matters to credit bureaus. 

At the end of this call, I was given their email address and I emailed Hunter Warfield a letter today XX/XX/XXXX  which I will attach below.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, 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: MI

Complaint narrative:
There has been a MASSIVE SECURITY BREACH of sensitive information that has effected 1/4 million accounts with the CFPB. This has happened nearly a month ago, and no one has attempted to reach out or say ANYTHING. All of the sensitive information has been requested to be destroyed, by an employee, which still offers no personal guarantee that everything has since been DESTROYED. Since then, the NEGAVTIVE ITEMS that I had has CONSTANTLY BEEN UPDATED DUE TO THE SECURITY BREACH. 
XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX /XXXX  XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX  ACCOUNT NUMBER XXXX This is indeed a Violation of Title 15 USC 1681k. I demand these accounts be removed IMMEDIATELY. If not, I will File a Complaint with The, FTC, and the CONSUMER SENTINEL NETWORK, and I will also be filing a lawsuit. I can not have my rights violated anymore and I refuse to any longer.

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 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
There has been a MASSIVE SECURITY BREACH of sensitive information that has effected 1/4 million accounts with the CFPB. This has happened nearly a month ago, and no one has attempted to reach out or say ANYTHING. All of the sensitive information has been requested to be destroyed, by an employee, which still offers no personal guarantee that everything has since been DESTROYED. Since then, the NEGAVTIVE ITEMS that I had has CONSTANTLY BEEN UPDATED DUE TO THE SECURITY BREACH. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is indeed a Violation of Title 15 USC 1681k. I demand these accounts be removed IMMEDIATELY. If not, I will File a Complaint with The, FTC, and the CONSUMER SENTINEL NETWORK, and I will also be filing a lawsuit. I can not have my rights violated anymore and I refuse to any longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, 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 submitted a complaint last XX/XX/2023 and it was closed immediately. I submitted a complain again last XX/XX/2023 and again it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.

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 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: LCI Acquisition Inc.
State: MO

Complaint narrative:
I've asked LCI Consumer Center to investigate inaccurate information that is reporting on my credit report. This information includes a bankruptcy, late payments, charged off accounts and erroneous information related to my name. I do not have mailing address history with the reporting errors, and have asked them to investigate and remove these errors from my report. Attached is information I sent to them via postal service, along with all pertinent identification. 

There is no legitimate reason for this company to reject my dispute letters. I have also attached screenshots directly from their website that clearly state their identification requirements, and this proves that I followed correct protocol. 

The bankruptcy, charged off accounts, and late payments being shown as mine by LCI Consumer Center are reporting fraudulently, is not true, accurate, or legally verifiable and this violates XXXX standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Exeter Finance, LLC.
State: NJ

Complaint narrative:
XXXX XXXX from parking spot when I was at a Park. I sent a debt variation letter never sent proper paperwork.. please release my vehicle from impound and remove lien off vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To whom it XXXX concern : Equifax XXXX XXXX XXXX XXXX, GA XXXX This document is my request for any information on my delinquency or derogatory behavior. I would like this information to be reported accurately and completely in accordance with all established laws and standards. I want any potential negative information to be confirmed. I want to know the absolute truth and facts about it, even if it is certified.You need to have a process for reporting which follows the Metro 2 data field formatted reporting standard. I don't think your report is accurate because of the claims in this complaint. I don't think your report is accurate. I challenge you to make a document that shows all of the evidence for each claim. The document should be verified as correct, complete, and true. You should be aware that, according to the 2020 CRRG : " ANY DEVIATION OF THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA ''. " The below- noted claims are disputed and have not been confirmed as facts. I am requesting that you remove any false accounts from my credit report. I only want factually accurate, verified, and compliant data documented on my credit report. 
Below is a summary of the data in which I am challenging : Summary of Inquiries being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XXXX Equifax This letter is XXXX formal request to delete the inquiries listed here from my credit report. To my knowledge, I have not signed any documents authorizing the companies listed to view my credit history! With that being said, the inquiries are violating the Fair Credit Reporting Act, Section 1681b ( c ). These need to be removed immediately!

Appreciatively, The document I have sent you includes my concerns about the accuracy and truthfulness of your reporting. The law requires that you follow certain procedures to ensure this, but according to what's required by both FCRA as well Metro 2 -- it needs certified compliant. 
XXXX XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX, XXXX, CA XXXX I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits.Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party XXXX be available. This is not a legal exception.If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: NY

Complaint narrative:
Cash app closes account with no warming won't let me send or receive

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian refuses to remove an incorrect address from my consumer report. 
The address is XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX is not my address nor has it ever been my address. I have no affiliation with it and don't know why it's appearing on my consumer report. I have reached out to Experian regarding this matter and they have yet to resolve it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I've asked TransUnion to investigate inaccurate information that is reporting on my credit report. This information includes a bankruptcy, late payments, charged off accounts and erroneous information related to my name. I do not have mailing address history with the reporting errors, and have asked Clarity to investigate and remove these errors from my report. Attached is information I sent to them via postal service, along with all pertinent identification. 

There is no legitimate reason for this company to reject my dispute letters. I have also attached screenshots directly from their website that clearly state their identification requirements, and this proves that I followed correct protocol. 

The bankruptcy, charged off accounts, and late payments being shown as mine by TransUnion are reporting fraudulently, is not true, accurate, or legally verifiable and this violates CDIA standards.

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 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, 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 : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX 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 Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a 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 an 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 explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
SUBJECT : REQUEST TO REMOVE UNAUTHORIZED CREDIT INQUIRES Inquiry made by : XXXX XXXXXXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX made on : 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