vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-19 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: FL

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer 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 2024-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I sent payment to a person that turned out to be a fraud/scam via PayPal. 
Transaction XXXX Paid from my PayPal balance : {$190.00} XX/XX/year> Recipient : XXXX XXXX The person has blocked me since ( we were chatting on XXXX XXXX XXXX refused to send me the item he promised, and refused to refund I tried opening a case in Paypal with supporting information/screen shots of our chat. Paypal closed the case in favor of the seller and I was left with nothing. 
This user is a fraud and he just stole the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: AR

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Village Capital & Investment LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Village Capital and Investments XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ( XXXX ) XXXX We recently sold our house ( XX/XX/XXXX ). The process with Village Capital was a nightmare. I called and requested pay off on XX/XX/XXXX. Was told I had to request by email. I sent the email on XX/XX/XXXX. The XXXX XXXX emails came back undeliverable. I called and clarified the email address and was told it was an error on my end. After XXXX failed emails all with the correct email address, the operator said he would make the request for me and that it would take XXXX business days no exceptions. We should have gotten pay off and wire instructions on or by XXXX/XXXX/XXXX which we did not. 

Fast forward to closing day, The closing attorney 's office also called and requested wiring instructions for the pay off. They were told Village Capital would not talk to them because they were not on the loan. I called and authorized the Attorney 's secretary to get information for payoff. This was on XX/XX/XXXX We closed and still had not received payoff instructions. I called everyday ( despite limited cell phone service due to Hurricane Helene ). 

I finally received pay off and wire instruction on XX/XX/XXXX. The Attorneys office promptly sent the wire on XX/XX/XXXX. They received confirmation on XX/XX/XXXX Now to my issue. 

My account has been reported by Village capital as being XXXX  days late twice, Once XX/XX/XXXX and again XX/XX/XXXX. Both are incorrect and need to be removed from mine and my wife 's credit report. 

Had Village Capital done the right thing, I would not have had to fight so hard to get the payoff/wire instructions. which would not have made the payment go past XXXX  days in sept. and the account was paid in full on XX/XX/XXXX so there is no way the account was late on XX/XX/XXXX. 

I need/request these late payments be removed from mine and my wife 's credit report ASAP. 

All calls are recorded with the company, you can listen back to the numerous times I have called and requested pay off, requested to speak to a supervisor ( I have never to date been called by a supervisor ) and requested to speak to someone to have these removed. 

We are in the process of refinancing our current house and can not move forward until you remove these fraudulent and incorrect reports on our credit. 

Attached you will see how it's being falsely reported. 

The account was paid off in XX/XX/XXXX so that is incorrect and had your customer service team done its job, we would have gotten the pay off when it was requested, and the account would have been paid off on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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:
XXXX, XXXX XXXX, am acting on my own as a natural person and consumer. 
There is information on my consumer report that is a result of identity theft. Per 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from the alleged identity theft, not later than XXXX business days after the date of receipt. It has been XXXX  days and you are in VIOLATION of this law because I am a victim of identity theft! My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. 
These companies DO NOT have lawful authority to report these items as it's in VIOLATION of my privacy and these companies are required to have tax documents on file stating they charged items off with my WRITTEN consent. 
Please delete these items listed below IMMEDIATELY! ADDRESSES, EMPLOYERS, INQUIRIES, COLLECTIONS These identified accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under 15 U.S Code 1681b - Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my behalf or consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. You are required to do what l am asking of you and delete these accounts listed above. I look forward to your response. Thank you, XXXX : XXXX. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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:
XXXX, XXXX XXXX, am acting on my own as a natural person and consumer. 
There is information on my consumer report that is a result of identity theft. Per 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from the alleged identity theft, not later than XXXX business days after the date of receipt. It has been XXXX  days and you are in VIOLATION of this law because I am a victim of identity theft! My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. 
These companies DO NOT have lawful authority to report these items as it's in VIOLATION of my privacy and these companies are required to have tax documents on file stating they charged items off with my WRITTEN consent. 
Please delete these items listed below IMMEDIATELY! ADDRESSES, EMPLOYERS, INQUIRIES, COLLECTIONS These identified accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under 15 U.S Code 1681b - Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my behalf or consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. You are required to do what l am asking of you and delete these accounts listed above. I look forward to your response. Thank you, XXXX : XXXX. XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: AL

Complaint narrative:
I am writing to formally request the blocking and deletion of the accounts and inquiries listed below from my credit report. As a victim of a data breach, I am exercising my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), which mandate the removal of fraudulent or unauthorized items from a consumer 's credit file.

Affected Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$00.00} US BKPT CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$3000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$850.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$56.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX - {$3900.00} Inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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: GA

Complaint narrative:
I am writing to file a formal complaint regarding discrepancies in the credit reporting of my account, XXXX, with account number XXXX. The reporting of this account violates the Fair Credit Reporting Act ( FCRA ), as the information is inconsistent and inaccurate across multiple credit reports.

Under 15 U.S.C. 1681i ( a ) ( 1 ), credit reporting agencies are required to investigate and verify any disputed information within 30 days of receiving a consumers request. Despite my efforts to dispute the negative information related to this account, the account has not been properly verified or corrected, in violation of the FCRAs standards for accuracy.

Specifically, the balance discrepancies and late payment history reported are inaccurate & inconsistent across all 3 major credit reporting bureaus, XXXX, Equifax XXXX XXXX. Given that these discrepancies are substantial and the account has not been properly verified, I respectfully request that the entire account be deleted from my credit reports in accordance with 15 U.S.C. 1681e ( b ), which mandates that credit reporting agencies ensure maximum possible accuracy in the information they report.

Thank you for your attention to this matter. I look forward to your prompt resolution of my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: GA

Complaint narrative:
I am writing to file a formal complaint regarding discrepancies in the credit reporting of my account, XXXX, with account number XXXX. The reporting of this account violates the Fair Credit Reporting Act ( FCRA ), as the information is inconsistent and inaccurate across multiple credit reports.

Under 15 U.S.C. 1681i ( a ) ( 1 ), credit reporting agencies are required to investigate and verify any disputed information within 30 days of receiving a consumers request. Despite my efforts to dispute the negative information related to this account, the account has not been properly verified or corrected, in violation of the FCRAs standards for accuracy.

Specifically, the balance discrepancies and late payment history reported are inaccurate & inconsistent across all 3 major credit reporting bureaus, XXXX, XXXX XXXX Experian. Given that these discrepancies are substantial and the account has not been properly verified, I respectfully request that the entire account be deleted from my credit reports in accordance with 15 U.S.C. 1681e ( b ), which mandates that credit reporting agencies ensure maximum possible accuracy in the information they report.

Thank you for your attention to this matter. I look forward to your prompt resolution of my complaint.

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 2024-11-19 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2024-11-19 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: SD

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 XXXX XXXX has violated my rights.

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2024-11-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: UPGRADE, INC.
State: FL

Complaint narrative:
Upgrade , Inc. has unjustly restricted access to my personal line of credit, despite my repeated attempts to address the matter in good faith. Over the past 60 days, I have submitted three written notices and emails, asserting my rights, titles, and interests under applicable law, and provided my Durable Power of Attorney ( DPOA ). I also amended the existing contract, revoking all previous agreements, and made necessary changes that align with my rights under federal and state law. Upgrade has failed to respond, violating my rights to redress and breaching their contractual obligations.

Details of the Issue Restriction of My Credit Line : Without justification or proper notice, Upgrade suspended my line of credit, denying me the ability to use my account. This restriction violates my constitutional right to contract and redress, and breaches the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ), which mandates accurate reporting and proper notification of adverse actions.

Non-Compliance with Contract Law : Upon submission of my amended contract with accompanying legal documentation, including DPOA, Upgrade had a duty to address the changes and notify me of acceptance or rejection under UCC 2-207. Failure to respond constitutes willful non-compliance and fraudulent misrepresentation.

Demand for Securitization Audit : I formally requested a full securitization audit of my account under 15 U.S.C. 6801 ( Gramm-Leach-Bliley Act ) and applicable consumer protection laws. This audit is critical for transparency regarding the usage of my credit application and funds. Upgrades refusal to comply violates federal statutes governing disclosure and transparency.

Legal Violations Equal Credit Opportunity Act ( ECOA, 15 U.S.C. 1691 ) : Unjust restriction of my credit access constitutes discrimination and non-compliance.

Truth in Lending Act ( TILA, 15 U.S.C. 1601 ) : Failure to provide clear, accurate information about account changes violates TILAs disclosure requirements.

Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) : Improper notification of account restrictions and potential adverse credit reporting breaches FCRA guidelines.

Uniform Commercial Code ( UCC 2-207 ) : Upgrades failure to acknowledge or respond to my amended contract constitutes a breach of good faith in commercial transactions. 
Case Law Support : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) : Reinforces the requirement for creditors to disclose all changes in terms transparently. 
*XXXX XXXX XXXXXXXX : Establishes that the promissory note or credit application constitutes sufficient funding, obligating Upgrade to uphold the credit agreement without arbitrary suspension. 
XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) : Affirms enforceable consumer rights under federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: CL Holdings LLC
State: CA

Complaint narrative:
I am disputing the accuracy of this account as it appears on my credit report. The balance and charge-off status reported are incorrect, as the account was fully resolved previously. This erroneous information is negatively affecting my creditworthiness, and I am requesting an immediate investigation. Please update my credit report to remove this inaccurate entry and notify me once the correction has been made. It is critical that my credit report accurately reflects my financial history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I discovered multiple inaccuracies in my credit report, including an incorrect name, outdated addresses, inaccurate phone numbers, and other personal information that does not belong to me. Specifically : An incorrect address, XXXX XXXX XXXX XXXX XXXX XXXX, is listed, which I do not reside at and can not receive mail. My only valid address is XXXX XXXX XXXX XXXX, XXXX, GA XXXX. 
The name XXXX XXXX XXXX appears on my report, which is incorrect. My legal name is XXXX XXXX. 
The following phone numbers listed on my report are not mine : XXXX, XXXX, and XXXX. My only phone number is XXXX. 
My year of birth is displayed on my credit report, which is unnecessary and poses a privacy risk.

I suspect these errors may have been caused by identity theft or a data breach, which I have been a victim of recently. These inaccuracies have compromised my ability to monitor and protect my personal information, and I fear my data may be further misused.

I contacted the credit bureaus ( XXXX, XXXX, and TransUnion ) to dispute these inaccuracies under the Fair Credit Reporting Act ( FCRA ), which requires them to ensure the accuracy of the information on my report. Additionally, I cited the Fair Debt Collection Practices Act ( FDCPA ) as it pertains to misleading information being reported.

Despite my efforts, the inaccurate information remains on my report. This lack of correction undermines my ability to protect myself from fraud and impacts my ability to manage my credit 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 2024-11-19 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: GA

Complaint narrative:
I discovered based off Metro 2 compliance that all the company listed below was not in compliant with Metro 2 that was put in place to protect us as consumers.

Also for all the Charge Off accounts listed below i would like to request a 1099-C that was issued by credit bureaus when the debt was charged off with the IRS which is required by law for all debt over {$600.00}. 

XXXX XXXXCharge off XXXX XXXXCharge off XXXX XXXX XXXXCharge off XXXX XXXX XXXXXXXX XXXX-Charge off XXXX XXXXCharge off

Company response to consumer: Closed with non-monetary relief