vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Issues with repayment — 
Company: U.S. BANCORP
State: AR

Complaint narrative:
I applied for a personal loan in XX/XX/year>. Initially, they denied the loan due to my children 's social security benefits and child support. They asked for proof of receipt for social security, child support, they asked for my children 's ages, birthdate, who receives what income, and when they will stop receiving benefits. They denied me due to my children 's age and when they will stop receiving benefits. They did a counteroffer of {$18000.00} and then denied me. I applied a second time, and I was denied the {$25000.00} but an offer of {$18000.00}, term of 60, Rate of 20.409 % and to accept the offer to contact my banker or notify them at the address below within 10 days. I go to the bank today and they told me it does not show in their system, and I was denied the loan. The creditor is listed but without a telephone number, address, or name of direct contact person. Rather, they list the credit reporting agency 's address and telephone number. No self-test was conducted, no copy of the evaluation. I asked if I could use my land for collateral or a cosigner and she told me I can apply for a mortgage loan, no information on programs that banks offer to help women and the minority for loans, they lied about unable to verify income and denied me when they had received all income, they never disclosed to me that the social security/child support did not need to be revealed and never gave me the option to agree or disagree, they utilized the social security/child support to deny me credit that was predicated on aggregate statistic. I told them they have discriminated against be and in violation of fair housing. They determined that once my children turn XXXX, they will not be receiving assistance, and my income will be interrupted or decreased. The creditor initially utilized the child support on the first loan and not the social security. He chooses which income he wanted to utilize and not what I submitted. When he took that step, they stated I was denied due to debt to income. I told them that they sent me a letter stating unable to verify income so how are you going to say I am in debt if you do not have any income to compare it to. When I spoke to the bank today, I was informed that I can not speak to the underwriter directly nor the supervisor because the supervisor does not have a direct number. I have several phone recordings and emails to corroborate my story.

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 2024-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I've had an account with Bank Of America for several years. 

I consistently had tellers give me inconsistent levels of resistance when cashing checks due to my foreign name, " XXXX XXXX '' I recently found out my account was closed and know that it was because of a similar pattern of discrimination that was established over the years of my banking with them

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 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm writing to express my deep concern about the lack of my credit information from your bureau. As a careful customer who regularly examines their credit profile, I am concerned about the recent discovery that crucial information appears to be missing from your records. Despite my proactive approach to managing my finances and making timely payments on all accounts, I have faced major challenges as a result of the absence of my credit data from your bureau. This has not only caused annoyance, but it has also left me in a hazardous position, particularly in light of recent financial transactions and loan applications. I have made repeated attempts to resolve this issue through your customer support channels, but the process has been lengthy and inefficient. As a result, I am experiencing unnecessary obstacles to receiving crucial financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence, Engelhardt v. Gravens ( mo ) 281 SW715,719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX balance {$5900.00}, XXXX XXXX XXXX balance {$1100.00}, XXXX XXXX XXXX balance {$0.00}, XXXX balance {$1300.00}, XXXX XXXX balance {$36000.00}, XXXX XXXX  XXXX balance {$0.00} XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 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: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence, Engelhardt v. Gravens ( mo ) 281 SW715,719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX  balance {$5900.00}, XXXX XXXX XXXX balance {$1100.00}, XXXX XXXX XXXX balance {$0.00}, XXXX balance {$1300.00}, XXXX XXXX balance {$36000.00}, XXXX XXXX  XXXX balance {$0.00} XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-12-18 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: CITIBANK, N.A.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Late Payment Reported by The Home Depot/Citibank Dear XXXX, I am writing to formally dispute the inaccurate late payment reported by The Home Depot/Citibank on XXXX credit report XXXX According to the report, a late payment has been incorrectly listed on my paid-off account with XXXX XXXX XXXX which I believe is erroneous. 
I have reviewed my account and payment history with The Home Depot/Citibank and XXXX confirm that I have never been late on this account. The account has been paid off in full, and there are no legitimate reasons or instances where my payment was delayed or missed. I am requesting that Toyota Financial provide documentation or proof of any alleged late payment to substantiate their claim.

Please provide me with the following documentation : 1. Proof of the late payment transaction, including the date and any supporting evidence that shows the payment was late.

2. A detailed payment history for the account, showing any delay in payment, if applicable.

If Toyota Financial is unable to provide such documentation or evidence to support this late payment, I request that you immediately take action to have this inaccurate late payment removed from my credit report, as it is a clear violation of the Fair Credit Reporting Act ( FCRA ). According to the FCRA, any disputed information must be corrected or deleted if it can not be verified as accurate, and I request that this alleged late payment be deleted from my credit file.

Please note that I expect this matter to be resolved within the 30-day timeframe outlined by the FCRA. If the issue is not rectified within this period, I will consider taking further action to protect my rights under the law.

I appreciate your prompt attention to this matter and look forward to your response. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 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: MA

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under XXXX XXXX Code XXXX ( b ) and XXXX XXXX Code XXXX ( XXXX ) these accounts are in violation of not reporting 100 % accurate.

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 2024-12-18 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: CA

Complaint narrative:
I have noticed that my credit report contains incorrect personal information, which is causing unknown and inaccurate accounts to appear on my credit report. These accounts are not mine, and I demand their immediate deletion. I have previously provided you with information and documentation regarding these fraudulent accounts to support my claim. Despite this, the issue remains unresolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: MA

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-12-18 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: CA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts on my report, theyre hurting of my ability to obtain credit. 

Account name : The XXXX Group Account number : XXXX Amount : {$410.00} Account name : XXXX Funding Account number : XXXX Amount : {$1000.00} Account name : XXXX Credit XXXX Account XXXX XXXX XXXX Amount : {$1000.00} Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXXr : XXXX Amount : {$130.00} Account name : XXXX XXXX XXXX XXXX Account number : XXXX Amount : {$4100.00}

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 2024-12-18 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
Chex Systems XXXX XXXX Attn : Consumer XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX RE : Consumer ID # XXXX To Whom It XXXX Concern : It has been brought to my attention that XXXX XXXX XXXX XXXX has listed OVERDRAFTS on my Chex Systems XXXX, dated XX/XX/year> To my knowledge, I have never had negative listing with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am therefore writing to request full validation of this debt as is my right underneath the Fair Credit Reporting Act. Specifically, I am requesting full validation from XXXX XXXX XXXX XXXX including copies of any documentation associated with this Suspected Fraud Activity which bear my signature. In the absence of such documentation, I request that this OVERDRAFTS be permanently removed from my Chex Systems report 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 2024-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Debt Solutions LLC
State: MA

Complaint narrative:
They will not stop calling me. Telling me I'm approved for a consolidation loan to pay off debt. They call from all different numbers every time so I can't block them but the call back number is always the same. I have selected to have them not call anymore but it didn't work. They call at least twice a day sometimes up to 6 times.

Company response to consumer: Untimely response
Consumer complaint received 2024-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
On XX/XX/XXXX I sent {$50.00} deposit via PayPal and I had text confirmation that it would be refunded. When I learned it was a scam and not be refunded, I contacted PayPal to have then stop the transaction, hold it and investigate the recipient. They did not, they told me to contact my bank, so I did and my bank stopped the transfer from their end, but PayPal continued the transfer and now says I owe PayPal money for the transaction. I sent PayPal the text messages ( screenshot ) so they can see that this person said they would refund the money, but PayPal has done nothing to resolve this issue, except have bill XXXX harass me for the {$50.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Indiana XXXX XXXX XXXX XXXX Bridgecrest Subject : Demand for Immediate Removal of Inaccurate Repossession Information Under FCRA Violations and Failure to Validate Debt To Whom It XXXX Concern, I am writing to formally demand the immediate removal of the repossession notation on my consumer credit report related to [ XXXX XXXX  ]. Despite my prior complaint to the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/year>, your company has failed to provide adequate verification under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. 

Violations Cited : XXXX. Failure to Provide Debt Validation ( XXXX of the FDCPA ) : I requested validation of the alleged debt and a copy of the original contract with my wet ink signature. To date, you have not provided this documentation, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ). Without proper validation, you have no legal basis to report or collect this debt. 
XXXX. Permissible Purpose Violation ( XXXX of the FCRA ) : You are required to have a permissible purpose to furnish negative information to my consumer report. I have yet to see any documentation proving that you had my consent or any legitimate purpose to report this repossession. Furnishing information without a permissible purpose is a direct violation of the FCRA. 
XXXX. Accuracy and Completeness of Information ( XXXX of the FCRA ) : Credit furnishers are legally obligated to ensure the accuracy and completeness of reported information. Your failure to provide the original signed contract raises serious concerns about the accuracy of this repossession entry. 

Legal Consequences of Non-Compliance : You are hereby on notice that if you do not remove the inaccurate repossession entry within 15 days of receiving this letter, I will pursue the following actions : 1. File a formal complaint with the CFPB, Federal Trade Commission ( FTC ), and my State Attorney Generals office regarding your FCRA and FDCPA violations.

2. Seek legal action for damages under 15 U.S.C. 1681n and 15 U.S.C. 1681o, which provide for actual damages, statutory damages, punitive damages, and attorneys fees for willful and negligent non-compliance with the FCRA.

This letter serves as an official demand for the immediate removal of the repossession from all credit reporting agencies. Failure to comply will result in swift legal action. 

Please send all correspondence and confirmation of deletion to the address listed above.

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 2024-12-18 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Indiana XXXX XXXX XXXX XXXX Bridgecrest Subject : Demand for Immediate Removal of Inaccurate Repossession Information Under FCRA Violations and Failure to Validate Debt To Whom It XXXX Concern, I am writing to formally demand the immediate removal of the repossession notation on my consumer credit report related to [ XXXXXXXX XXXX XXXX Despite my prior complaint to the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/year>, your company has failed to provide adequate verification under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws.

Violations Cited : 1. Failure to Provide Debt Validation ( 809 of the FDCPA ) : I requested validation of the alleged debt and a copy of the original contract with my wet ink signature. To date, you have not provided this documentation, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ). Without proper validation, you have no legal basis to report or collect this debt.

2. Permissible Purpose Violation ( 604 of the FCRA ) : You are required to have a permissible purpose to furnish negative information to my consumer report. I have yet to see any documentation proving that you had my consent or any legitimate purpose to report this repossession. Furnishing information without a permissible purpose is a direct violation of the FCRA.

3. Accuracy and Completeness of Information ( 611 of the FCRA ) : Credit furnishers are legally obligated to ensure the accuracy and completeness of reported information. Your failure to provide the original signed contract raises serious concerns about the accuracy of this repossession entry.

Legal Consequences of Non-Compliance : You are hereby on notice that if you do not remove the inaccurate repossession entry within 15 days of receiving this letter, I will pursue the following actions : 1. File a formal complaint with the CFPB, Federal Trade Commission ( FTC ), and my State Attorney Generals office regarding your FCRA and FDCPA violations.

2. Seek legal action for damages under 15 U.S.C. 1681n and 15 U.S.C. 1681o, which provide for actual damages, statutory damages, punitive damages, and attorneys fees for willful and negligent non-compliance with the FCRA.

This letter serves as an official demand for the immediate removal of the repossession from all credit reporting agencies. Failure to comply will result in swift legal action. 

Please send all correspondence and confirmation of deletion to the address listed above.

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