vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-29 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: AZ

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-11-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
Over the past year, I have maintained an account with this company, which facilitates both business transactions and cryptocurrency transactions. Today, while attempting to initiate a cryptocurrency payment, I was abruptly and without explanation permanently blocked from accessing my account. Subsequently, they have prevented me from accessing my cryptocurrency in the account and are now preventing me from transferring it out.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc

Complaint narrative:
On XX/XX/year>, I received a notification from PayPal stating that my account had been permanently limited due to a violation of PayPals policies XXXX, specifically related to the sale or promotion of XXXX XXXX  devices or materials. However, I have never engaged in any such activity or sold any products related to this category. I have reviewed my account transactions and find no activity that would remotely fall under these accusations. 

Upon receiving the notification, I immediately attempted to resolve the issue by contacting them. Despite these efforts, I was informed that the limitation would be permanent, with no further clarification provided on the specific violation in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Security Credit Services, LLC
State: NC

Complaint narrative:
As of XX/XX/year> by my record my balance indicated {$1000.00} - appearing on report as {$3100.00} - should also be apear as pay as agreed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Email : XXXX Phone : XXXX Subject : Debt Validation Request Dear [ Creditor/Debt Collector ], I am writing regarding the accounts listed below that you claim I owe. This letter serves as a formal request for debt validation in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Under this law, I have the right to request verification of the debts being claimed. 

I am disputing the validity of the following debts : XXXX XXXX  ( Acct : XXXX ) Balance claimed : {$8400.00} XXXX XXXX  ( Acct : XXXX ) Balance claimed : {$50000.00} XXXX  ( Acct : XXXX ) Balance claimed : {$7900.00} Midland Credit Management ( Acct : XXXX ) Balance claimed : $ [ XXXX XXXX ] XXXX XXXX ( Acct : XXXX ) Balance claimed : {$88000.00} XXXX XXXX  ( Acct : XXXX ) Balance claimed : {$57000.00} Midland Credit Management XXXX XXXX XXXX, Acct : XXXX ) Balance claimed : {$620.00} XXXX XXXX XXXX ( XXXX XXXX, Acct : XXXX ) Balance claimed : {$3200.00} XXXX ( Acct : XXXX ) Balance claimed : {$10000.00} XXXX XXXX  ( Acct : XXXX ) Balance claimed : {$17000.00} XXXX XXXX  ( Acct : XXXX ) Balance claimed : {$68000.00} XXXX  ( Acct : XXXX ) Balance claimed : {$32000.00} I request the following information for each of the debts listed above : Proof that I owe the debt and that it has been verified as accurate. 
The name and address of the original creditor. 
The amount of the debt, including an itemized breakdown of fees, interest, and payments. 
Copies of the original agreements or contracts that allegedly created these debts. 
Proof of your legal authorization to collect this debt in my state. 
Evidence that the alleged debts are within the statute of limitations. 
I also request that you immediately cease all collection activities, including reporting these accounts to any credit reporting agency, until this validation process has been completed. 

Please note that any attempt to collect or report unverifiable debts is a violation of federal law. Should you fail to validate the debts, I will pursue all legal remedies available under the FDCPA and Fair Credit Reporting Act ( FCRA ). 

This is not a refusal to pay but a request for validation. I look forward to your written response within 30 days of receipt of this letter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Early Warning Services, LLC
State: AZ

Complaint narrative:
On XX/XX/year> I Zelled {$610.00} from my XXXX  XXXX checking account to my husband 's XXXX XXXX account, using his email address XXXX, he did not receive the money, my husband let me know he recently unenrolled his email XXXX and enrolled his phone number XXXX because he was having trouble receiving funds via Zelle with XXXX XXXX XXXX After reviewing my transaction on my XXXX XXXX online bank with Zelle the transaction shows delivered for Friday XX/XX/year> so we waited after XXXX holiday. As of XX/XX/year> we phoned XXXX XXXX they do not see any transfer deposits made to my husband 's checking account for {$610.00} and XXXX XXXX shows my transfer for {$610.00} was delivered they cannotcancelthe transfer and its not pending with errors. I filed a claim dispute and XXXX XXXX stated it would take 45 days and they would temporarily deposit the {$610.00} dollars back into my account after 10 business days. On XX/XX/year> I had my husband unenroll his phone number using his XXXX XXXX Zelle and re-enroll his email to see of the money will go through and it did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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: AL

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records 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 non-monetary relief
Consumer complaint received 2024-11-29 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: AL

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records 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 2024-11-29 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: FL

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-11-29 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: AZ

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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: FL

Complaint narrative:
I recently went through my report and found some inquiries from various creditors that I did not approve. This raises concerns for me, as they could be related to identity theft or fraud. I would appreciate it if you could look into these inquiries and remove them from my credit report if they can't be confirmed as authorized. I've included my letter to the Bureaus, yet these inquiries still appeared on my current 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 2024-11-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX Last four of social XXXX Re : Follow up Date : XXXX To Whom this may concern : I recently mailed a letter requesting verification of inaccurate accounts reporting on my credit report that your bureau maintains. I received a response stating that the accounts were verified. I am formally requesting a description of the procedure your bureau used in providing all information to the original creditor in processing my dispute under FCRA 611 ( a ) ( 7 ). 

To be clear, per FCRA 611 ( a ) ( 2 ) ( b ), your agency is required to forward all relevant information the original creditor to ensure a proper investigation of my dispute. I am requesting you to provide me with ALL Information used for your investigation, as required by FCRA 611 ( a ) ( 7 ). 


Per FCRA you are required to provide this information within 15 days or delete the negative items from my credit report. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX is committing Fraud and XXXX XXXX, chase credit card is committing fraud.XXXX  is allowing closed account to be a part of a credit decision when the account is old and should be removed due to the charge off and company paid for profit and loss and did not supply a 1099-C to me. I applied for the XXXX XXXX XXXX XXXX XXXX which stated I have delinquent account none if my active open accounts are delinquent or past due. How can you determine my credit worthiness from a closed account charged off from XXXX? This is. a clear case of Fraud and a violation of the FCRA. Chase credit card has charged off the account and still updating in my credit file which is fraud. They got paid also through profit and loss but still are putting an open balance reporting on a closed account. I will turn this into a legal lawsuit against XXXX and XXXX XXXX, chase credit card if this is not correct ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is committing Fraud and XXXX XXXX, XXXX XXXX XXXX  is committing fraud.Experian is allowing closed account to be a part of a credit decision when the account is old and should be removed due to the charge off and company paid for profit and loss and did not supply a 1099-C to me. I applied for the XXXX XXXX XXXX XXXX XXXX which stated I have delinquent account none if my active open accounts are delinquent or past due. How can you determine my credit worthiness from a closed account charged off from XXXX? This is. a clear case of Fraud and a violation of the FCRA. XXXX XXXX XXXX has charged off the account and still updating in my credit file which is fraud. They got paid also through profit and loss but still are putting an open balance reporting on a closed account. I will turn this into a legal lawsuit against Experian and XXXX XXXX XXXX XXXX XXXX if this is not correct ASAP.

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 2024-11-29 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: MI

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-29 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: GA

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. 

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. 

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

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 2024-11-29 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: TX

Complaint narrative:
Upon reviewing my report, I noticed inquiries from different creditors which I did not authorize. I am concerned they may be linked to identity theft or fraudulent activity. I kindly request that you investigate these inquiries and remove them from my credit report if they can not be verified as authorized. I have attached my letter to the Bureaus and still these inquiries were still reported to my current 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 non-monetary relief
Consumer complaint received 2024-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
the item was purchase by a third party debt collector. This account must be deleted as the status is not correct, the amount is not correct and the account was paid less than owed by the third party collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC.
State: CT

Complaint narrative:
I have been scammed for XXXX years. These people are person pretended to be XXXX different people. Stealing my identity and putting fake check. Stealing from my XXXX. Stealing from my Coinbase. Lying in order to steal my money. They bankrupt me as I was searching for them and evidence to find them. We have to remortgage our condo. We sold our home several years ago and gained XXXX in profit. We now live in a condo. They threatened to kill me and my family XXXX times. To use my photos against me to blackmail. They threatened to kidnap my daughters. Also sleep with my wife. I went to fbi, detective at the XXXX police department where I lived obtained a police report as shown. I even went to FTC. I even contacted news stations. Lawyers. Private investigators. I have emails and a lot of evidence of everything. I saved XXXX years of information.

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 2024-11-29 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: FL

Complaint narrative:
I have noticed inaccurate information in my report. Despite several attempts to send my documents to the credit bureau, they continue to fail to acknowledge my identification. I believe this may be a stall tactic, and the bureau is refusing to comply with FCRA guidelines. 

I am demanding that the credit bureau acknowledge my documents and promptly remove all inaccurate information I have submitted to them. Their failure to act is a clear violation of my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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: FL

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation