vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-08 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: PA

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 U.S.C 1681 sunrise credit service XXXX Credit report XXXX credit report. Experian .15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable

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 2023-11-08 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: OH

Complaint narrative:
Ive sent in multiple complaints about closed accounts that have not been proven to belong to me. I requested to have the accounts removed but they are still showing and causing me to have negative and or diverse discussions against my credit profile. 
My next step will be filling complaints and requesting to charges for penalties at {$1000.00} per repeated offense through the Supreme Court. 
XXXX XXXX reporting agency is still reporting closed accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account also has been requested to be proved or removed with no progress. 

These are four closed accounts and they have not sent any contract with my signature to prove ownership of any accounts..

I need theses accounts fully removed from my credit profile with all reporting agencies immediately please. 

They are illegal actions and if these accounts are not removed as requested I will proceed with legal action. 
Equifax, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08 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: OH

Complaint narrative:
Ive sent in multiple complaints about closed accounts that have not been proven to belong to me. I requested to have the accounts removed but they are still showing and causing me to have negative and or diverse discussions against my credit profile. 
My next step will be filling complaints and requesting to charges for penalties at {$1000.00} per repeated offense through the Supreme Court. 
XXXX credit reporting agency is still reporting closed accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account also has been requested to be proved or removed with no progress. 

These are four closed accounts and they have not sent any contract with my signature to prove ownership of any accounts..

I need theses accounts fully removed from my credit profile with all reporting agencies immediately please.

They are illegal actions and if these accounts are not removed as requested I will proceed with legal action. 
XXXX, Experian, and 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 2023-11-08 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: NY

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute information on my credit report that I believe is a result of identity theft. I have attached a copy of the police report filed for this incident, which details the unauthorized access and use of my personal information. 

According to my credit report, there are several accounts that I have not authorized or opened, and I request that you investigate and correct the inaccuracies in my report as per the Fair Credit Reporting Act ( FCRA ). 

The following unauthorized accounts have been listed on my credit report : XXXX Account : Account Number XXXX XXXX XXXX XXXX  Account : Account Number XXXXXXXX XXXX XXXX Account : Account Number XXXX I dispute the accuracy and legitimacy of these accounts, as I have never authorized or had any dealings with the aforementioned companies. Therefore, I am not responsible for any debts associated with these accounts. 

Under the FCRA, I kindly request that you : Conduct a thorough investigation into these accounts. 
Provide me with the results of your investigation. 
Remove the disputed accounts from my credit report if they are found to be inaccurate or unauthorized. 
Correct any inaccurate information on my credit report. 

I also want to bring to your attention the Fair Debt Collection Practices Act ( FDCPA ). If any debt collector is associated with these unauthorized accounts, they should cease any collection activities until the dispute is resolved. 

Please provide a written response within XXXX  days as per FCRA guidelines. If the investigation is not completed within this timeframe, please notify me of the delay. 

I appreciate your prompt attention to this matter and the correction of my credit report. If necessary, I am prepared to take further legal action to protect my rights. 

Please remove or delete I can't purchase a home for me and my child. I'm a single mother that need assistance.

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 2023-11-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: Block, Inc.
State: MI

Complaint narrative:
I am in the middle of a legal name change with XXXX XXXX XXXX. 

XXXX XXXX XXXX to XXXX XXXX XXXX XXXX I had a cashapp XXXX attached to my phone number an account for me. It was closed out. No email associated with it. I had about {$3.00} in the savings account. Once the account was closed, I forgot about it. Reached out asking about the funds, given the run around. I was asked to verify my identify, I did. I can even provide the court documents for my legal name change.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 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: TX

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Hi I had an issue with an purchase that I ordered back on XX/XX/2023 The sales representative XXXX never added the table to that order. When the furniture came in on XX/XX/2023 The table was not ordered which meant I have to go back to the store a thrid time and they were trying to charge me for delivery. Initially stated at that time that I did not want to order anything else from them however the sales manager stated that she wanted to make it right at that time we placed the order, which the soonest was XX/XX/2023. With hesitation I finally agreed. On XX/XX/XXXX a women named XXXX then called me and advised that I would not get it the table till XX/XX/2023 that time I made another trip to there location, Spoke with the manager at that time called the store to make sure there was an order for it on XX/XX/XXXX. My phone was off by accident and they called me I called them right back about XXXX. Later at that time they stated they could not bring it back and that I would have to pay for an delivery fee I asked the manager at that time what am I getting compensated for they then stated they would have to charge me and I advised them if that was the case that I did not want the table and will take my business elsewhere, Which resulted in them retaliating and closing the account.

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 2023-11-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MRS BPO, LLC
State: OH

Complaint narrative:
On XX/XX/XXXX I was made aware of a change to my credit report. A company by the name of MRS DPO, LLC had presented an account for collection bearing my name. That day at approx. XXXX XXXX EST I reached out to MRS. DPO where I spoke with a representative by the name of XXXX. I explained to XXXX I wasn't aware of any outstanding debt, and was not made aware by the alleged creditor and/or MRS DPO prior to any reporting. She explained they received the account on XX/XX/XXXX ( the alleged account was closed as of XX/XX/XXXX ), the account was sold and serviced by another collection agency around XX/XX/XXXX. Again, I explained I had no knowledge of the debt and per 15 USC 1692g I should've been provided with the opportunity to validate the debt. XXXX advised they sent me an email on XX/XX/XXXX, which perhaps may have gone to my junk mail. Outside of that being a ridiculous mode of contact, seeing as they're a third party debt collector, with no first-hand knowledge of any alleged accountit still doesn't absolve MRS DPO, per the FDCPA, to provide me with written statement affording me the opportunity to validate the alleged debt. After a bit of digging I was able to locate an email ( the only email ) I have from MRS DPO, which contains absolutely no information and any prudent, reasonable person would deem the email as a scam. This email contains no information that would indicate that MRS DPO is a legitimate company. The notice contains only my name an some verbiage about how I owe an alleged debt. The email doesn't have an original creditor, an amount owed, an account number, etc. I find in grossly irresponsible to merely report an account to the credit bureaus with no first-hand knowledge of any consumer interaction between myself and the alleged creditor. I reached out to their compliance department via email on XX/XX/XXXX with no response. I followed up today, via phone. I spoke with a manager, XXXX, she pretended as she was unable to hear and proceeded to disconnect the call. A quick XXXX review will provide some insight into how this company operates. I want this account removed from credit report ( s ) immediately. In addition, I will pursue remedy to the limits provided to me pursuant to the FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08 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: GA

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. 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

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 2023-11-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.

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 2023-11-08 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: AL

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on 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 2023-11-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Dear CFPB, I am writing to submit a formal complaint regarding my recent mortgage experience, which has left me deeply dissatisfied and concerned. The issues I encountered relate to Citizens and their handling of my mortgage application and closing process. 

Unexpected Payment Increase : On the day of the mortgage closing, approximately an hour and a half into the process, I was informed that my mortgage payment was going to increase by over {$400.00} per month. This unforeseen and substantial increase was both shocking and distressing, especially after going through a nearly four-month mortgage application process. At no point during this extensive period was I made aware that such a significant change in my monthly payment was even a possibility. 

Lack of Transparency : I was clear from the beginning about my budget and financial constraints. This increase came as a complete surprise and left me feeling deceived and uninformed. Had I been aware of this possibility in advance, I would have explored other lenders and their offers to make the most informed and responsible decision regarding my mortgage. I was presented with a mortgage only option and encouraged to stop shopping to avoid losing out on a lower rate that fit into my budget. 

I am seeking your assistance in addressing these issues and ensuring that my rights as a consumer are protected. I request a thorough investigation into the practices of Citizens and that appropriate actions are taken to rectify the situation. I would like to explore potential solutions that align with the original terms and my budget. 

I trust that the CFPB will take my concerns seriously and work toward a resolution that upholds the principles of transparency and integrity in lending. Your prompt attention to this matter is greatly appreciated. 

If you require any additional information, please do not hesitate to contact me at XXXX or XXXX. 

Thank you for your assistance in resolving this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2023-11-08 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: LA

Complaint narrative:
Dear PayPal Team, I hope this message finds you well. I am writing to respectfully appeal the permanent limitation placed on my PayPal account, registered under the email address XXXX. I believe there has been a misunderstanding or mistake in this matter, and I kindly request that you re-investigate my case for the following reasons : Misunderstanding or Error : I firmly believe that the limitation on my account was the result of a misunderstanding or mistake. I have always strived to adhere to PayPal 's policies and guidelines to the best of my knowledge. Any unintentional violations, if there are any, were not deliberate. 

Compliance with PayPal Policies : Throughout my time as a PayPal user, I have made every effort to comply with PayPal 's terms of service, including all relevant policies and regulations. I am committed to conducting my PayPal transactions in a lawful and ethical manner. 

Request for Re-investigation : In light of the above, I kindly request that you thoroughly re-investigate my case. I am willing to provide any additional information or documentation that may assist in clarifying any concerns or issues related to my account activity. It is my sincere hope that, upon review, you will find no justifiable reason for the permanent limitation placed on my account. 

I value the services provided by PayPal and the convenience it offers for online transactions. Losing access to my PayPal account has caused significant inconvenience, and I am eager to resolve this matter amicably. I kindly ask for your prompt attention to this appeal and a reconsideration of my account status. 

Thank you for taking the time to review my appeal. I look forward to a fair and thorough assessment of my account, with the hope of having it reinstated. Please do not hesitate to reach out to me at XXXX if you require any further information or clarification. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 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: TX

Complaint narrative:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.

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 2023-11-08 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: TX

Complaint narrative:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.

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 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to 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