vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-20 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: OneMain Finance Corporation
State: TX

Complaint narrative:
I am writing to dispute fraudulent debts that has appeared on my credit report. These debts are a result of identity theft caused by my personal information being exposed in multiple data breaches, where my Social Security number, birthdate, address, and email were all sold on the dark web and used to open fraudulent accounts. I have already been in contact with the police, submitted an FTC Identity Theft Report, and disputed this debt with the credit bureaus. I request that this fraudulent debt be removed from my credit report and cease any collection efforts related to these debts

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 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: AR

Complaint narrative:
I HAVE DISPUTED WITH THESE CREDITORS DIRECTLY AND NONE OF THEM RESPONDED TO MY DISPUTES WITHIN THE FEDERAL 30-DAY TIME FRAME THEREFORE EXPERIAN AND XXXX XXXX XXXX XXXX ALL THE ITEMS LISTED. I HAVE SUBMITTED PROOF OF THE CERTIFIED MAILINGS ALONG WITH THE LETTERS. IASKED FOR PROOF OF AN ORIGINAL CONTRACT WITH MY SIGNATURE AND NONE COULD BE PROVIDED. THEREFORE, MY RIGHTS ARE THAT THE ITEMS BE REMOVED 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 2024-10-20 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: NC

Complaint narrative:
I reviewed my consumer report and noticed that I had one late payment on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included in the screenshot inside this complaint in on dates XX/XX/year>. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand this late payment be updated to paid as agreed on time as they should be due to the fact I was never late. Please see the screenshots attached

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-20 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: NC

Complaint narrative:
I reviewed my consumer report and noticed that I had one late payment on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included in the screenshot inside this complaint in on dates XX/XX/year>. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand this late payment be updated to paid as agreed on time as they should be due to the fact I was never late. Please see the screenshots attached

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 2024-10-20 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: Paypal Holdings, Inc
State: WA

Complaint narrative:
PayPal and Venmo limited my account so I could not use it. They limited it without and warning or notice something was wrong with my account. I have been a faithful customer for years and used the services appropriately and within their user agreement. I have been trying to find any information that my account may have been compromised but after multiple emails, phone calls and support chats they have refused to give me any information on what actions in my account may have caused the limitations. All this to say it reflects poorly on me when I cant use these services and my friends cant send me any money for when we are out together and someone needs help paying or to split a check.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
As per the creditor please delete this 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 explanation
Consumer complaint received 2024-10-20 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: IN

Complaint narrative:
In accordance with the fair credit reporting act XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. State 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 writen instructions.

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 2024-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to dispute fraudulent debts that has appeared on my credit report. This debt is the result of identity theft caused by my personal information being exposed in multiple data breaches, where my Social Security number, birthdate, address, and email were sold on the dark web. I have already been in contact with the police and submitted an FTC Identity Theft Report. I request that these fraudulent debts be removed 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 explanation
Consumer complaint received 2024-10-20 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: FL

Complaint narrative:
Subject : Complaint Against Transunion for Violation of 15 U.S. Code 1681i ( 5 ) and Failure to Remove Inaccurate Account Information Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Transunion for its repeated failure to remove inaccurate account information from my credit report following two reinvestigations, which is in violation of 15 U.S. Code 1681i ( 5 ) of the Fair Credit Reporting Act. 
Account Information : Account Name : XXXX XXXX Account Number : XXXX Date of Charge XXXX Amount : {$0.00} Despite providing clear evidence of the inaccuracies in the above-referenced account and requesting its removal from my credit report, Transunion has failed to comply with the law and has retained the inaccurate account information.

The Fair Credit Reporting Act mandates that if a reinvestigation does not resolve a dispute, the credit bureau must delete the disputed information within five business days. The repeated failure of Transunion to adhere to this requirement is a clear violation of 15 U.S. Code 1681i ( 5 ) and has caused me financial harm and distress.

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take immediate action against Transunion for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate deletion of the inaccurate account information from my credit report and appropriate measures to ensure that Ttransunion upholds its obligations under the law. 
Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue.

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 2024-10-20 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: FL

Complaint narrative:
Subject : Complaint Against Transunion for Violation of 15 U.S. Code 1681i ( 5 ) and Failure to Remove Inaccurate Account Information Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Transunion for its repeated failure to remove inaccurate account information from my credit report following two reinvestigations, which is in violation of 15 U.S. Code 1681i ( 5 ) of the Fair Credit Reporting Act. 
Account Information : Account Name : XXXX XXXX Account Number : XXXX Date of Charge XXXX Amount : {$0.00} Despite providing clear evidence of the inaccuracies in the above-referenced account and requesting its removal from my credit report, Transunion has failed to comply with the law and has retained the inaccurate account information.

The Fair Credit Reporting Act mandates that if a reinvestigation does not resolve a dispute, the credit bureau must delete the disputed information within five business days. The repeated failure of Transunion to adhere to this requirement is a clear violation of 15 U.S. Code 1681i ( 5 ) and has caused me financial harm and distress. 
I am requesting that the Consumer Financial Protection Bureau investigate this matter and take immediate action against Transunion for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate deletion of the inaccurate account information from my credit report and appropriate measures to ensure that Ttransunion upholds its obligations under the law. 
Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue.

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 2024-10-20 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: Avant Holding Company, Inc.
State: TX

Complaint narrative:
I've recently checked my credit report and realized some inaccurate accounts reporting to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 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: OH

Complaint narrative:
I recently disputed XXXX account # XXXX with Equifax. according to Equifax the account come back updated. Im not sure what was updated because this account is still reporting inaccurate This account is reporting as a charge off account but there are no late payments being reporting at all of the payments are reporting on time there also is missing data. Its my understanding that all accounts are to be reported complete and accurate. This is clearly a violation FCRA. I would like for Equifax to send me what they used to verify this account within the next 30 days if they cant provide me with this information I would like for this account to be deleted I will attach a copy of my ID and a copy of my credit report the letter I got from Equifax stated the account was updated the last four of my social XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
Logged into my account I have had for years ( since 2017 ) asking me to " validate my business ''. I have provided the information to them via the app, I have called " customer service '' countless times only to be hung up on by agents that do not fluently speak or understand English, and I have even reached out to their social media direct messaging with NO RESOLVE. This company lacks common sense. Any XXXX can XXXX  my business name and see we have a website. Or go to the XXXX XXXX XXXX site and do a simple search to validate the business. What makes matters worse, I have explained I have an existing loan with them and they can easily validate the same in their system. So someone please explain to me how you can not validate my account but I have an existing loan with you UNDER THE SAME BUSINESS. Consumers are so sick and tired of having to beg and plead for simple common sense to be used, all because companies want to outsource to XXXX XXXX XXXX call centers that are of no real use. This is ridiculous and rather annoying that I have spent hours trying to resolve something that is so trivial. Their XXXX  option for support is useless. When you call they are useless saying they will open a ticket but no one follows up.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 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: NJ

Complaint narrative:
I am requesting immediate removal of the following inquiries. I believe I am a victim of identity fraud and I submitted an FTC complaint. I did my research and determined these are fraudulent inquiries and do not belong to me as I never authorized them. I tried contacting the companies already and get no real help. These must be removed as soon as possible or I will take legal action. Thank you. 

Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-20 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: UPGRADE, INC.
State: TX

Complaint narrative:
I am writing to dispute fraudulent debts that has appeared on my credit report. These debts are a result of identity theft caused by my personal information being exposed in multiple data breaches, where my Social Security number, birthdate, address, and email were all sold on the dark web and used to open fraudulent accounts. I have already been in contact with the police, submitted an FTC Identity Theft Report, and disputed this debt with the credit bureaus. I request that this fraudulent debt be removed from my credit report and cease any collection efforts related to these debts

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 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: NJ

Complaint narrative:
I am requesting immediate removal of the following inquiries. I believe I am a victim of identity fraud and I submitted an FTC complaint. I did my research and determined these are fraudulent inquiries and do not belong to me as I never authorized them. I tried contacting the companies already and get no real help. These must be removed as soon as possible or I will take legal action. Thank you. 

Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2024-10-20 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:
Subject : Complaint Against Experian for Violation of 15 U.S. Code 1681i ( 5 ) and Failure to Remove Inaccurate Account Information Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its repeated failure to remove inaccurate account information from my credit report following XXXX reinvestigations, which is in violation of 15 U.S. Code 1681i ( 5 ) of the Fair Credit Reporting Act. 
Account Information : Account Name : XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/2022 Amount : {$0.00} Despite providing clear evidence of the inaccuracies in the above-referenced account and requesting its removal from my credit report, Experian has failed XXXX comply with the law and has retained the inaccurate account information. 
The Fair Credit Reporting Act mandates that if a reinvestigation does not resolve a dispute, the credit bureau must delete the disputed information within five business days. The repeated failure of Experian to adhere to this requirement is a clear violation of 15 U.S. Code 1681i ( 5 ) and has caused me financial harm and distress. 
I am requesting that the Consumer Financial Protection Bureau investigate this matter and take immediate action against Experian for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate deletion of the inaccurate account information from my credit report and appropriate measures to ensure that Experian upholds its obligations under the law. 
Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue.

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 2024-10-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am not liable for this debt of {$1600.00} with XXXX XXXX XXXX Account number XXXX I do not have a contract with XXXX XXXX XXXX, they did not provide me with a purchase agreement to show full ownership of such account and also other documents so I may review.

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 2024-10-20 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:
Please remove these fraudulent accounts from my credit report as soon as possible. I would also appreciate a written confirmation of the actions taken to resolve this matter. If you require any additional information, feel free to contact me using the contact details provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: CREDIT CONCEPTS, INC.
State: WA

Complaint narrative:
They have broken consumer laws from the beginning of the loan. They have broken the law with 25 CFR 11.417 which is extortion I was charged a down payment.

They have broken 18 USC 1348 undisclosed finance charges. Gap insurance was also in my contact as well which breaks law 18 USC 1033 ( B ) They are not legally authorized to sell insurance.

Which is also Identity Fraud according to 18 USC 1028. Additionally they illegally reposted my vehicle which according to that falls under 15 USC 1692 F unfair practices and USC 15 6802.

They also committed identity theft by taking my personal information and giving it to a third party being the repossession company without my knowledge or permission. I am seeking all money paid to them and the auto place I bought the vehicle from plus damaged and this immediately removed from my credit report that has damaged me by being denied credit. I am also requesting the original promissory note as well.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 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: MO

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), particularly 15 USC 1681. The accounts listed below have egregiously violated my right to privacy and the accuracy of reporting :. Account Name : XXXX XXXXXXXX XXXX XXXXXXXX. Account Name : XXXX XXXX XXXX  XXXX Account Name : XXXX XXXX XXXXXXXX XXXX Account Name : XXXX XXXX XXXXXXXX XXXX Account Name : XXXX XXXX XXXXXXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX My Credit Report was updated in XX/XX/year> to which the Credit Bureau knowingly furnished inaccurate and incomplete information.

15 U.S.C. 1681 Sec. 602 ( A ) States I have the right to privacy.

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.

Under 15 USC 1681 ( e ) ( b ), consumer reporting agencies are legally required to follow reasonable procedures to assure maximum possible accuracy in their reports. This has clearly not been done in my case, and the errors remain unaddressed.

Under 15 USC 1681i ( 5 ), it is the agencys responsibility to promptly delete or correct any information found to be inaccurate and incomplete during a dispute. Despite this legal requirement, the inaccuracies continue to persist on my report, causing unnecessary hardship.

Under 15 USC 1681s-2 explicitly states that furnishers must not report information they know, or have reasonable cause to believe, is inaccurate. These accounts have been reported in violation of this law.

Thank you for your prompt attention to this matter. 

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