vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-16 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: CA

Complaint narrative:
Hi, I would like to make a request using this complaint, if PayPal can allow me to withdraw the money from my PayPal account? 

I am running on medical issues and I would like this money to cover the cost of medication. 

I will be humbled upon if the higher management can allow me to withdraw the money from my PayPal account. 

Please let me know.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: VA

Complaint narrative:
This is complaint is serious and is not sent in error. The inaccurate nformation in my credit report has caused me frustration and incovenience as it has impacted my ability to secure credit approvals.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 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: IL

Complaint narrative:
I am a victim of identity theft. I have provided the bureaus with documentation, and police report and nothing changed before so I am now taking the step to report for these fraudulent accounts to be blocked or removed from my credit report. As per the guidelines delineated in the Fair Credit Reporting Act ( FCRA ), I retain the right to contest any inaccurate or fraudulent information reflected on my credit report. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of identity theft and would like all listed accounts to be blocked and deleted. 

XXXX these are the accounts that are fraudulent. XXXX XXXXXXXX Credit line secured with account # XXXX opened on XX/XX/XXXX and a balance of {$260.00}. 
XXXX XXXXXXXX XXXX XXXX Credit line secured with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. XXXX XXXXXXXX XXXX XXXX  Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. XXXX XXXXXXXX XXXX XXXX XXXX loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$630.00}. XXXX XXXX XXXX  XXXX Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. XXXX XXXX XXXX XXXX XXXX  with account # XXXX  opened on XX/XX/XXXX and a balance of {$2100.00}. 

Failure to respond satisfactorily with deletion of the above referenced accounts, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : XXXX. Defamation of Character ( per se ) 2. Neglect Enablement of Identity Fraud 3.Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability fro willful noncompliance [ 15 U.S.C. 1681n ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 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: IL

Complaint narrative:
I am a victim of identity theft. I have provided the bureaus with documentation, and police report and nothing changed before so I am now taking the step to report for these fraudulent accounts to be blocked or removed from my credit report. As per the guidelines delineated in the Fair Credit Reporting Act ( FCRA ), I retain the right to contest any inaccurate or fraudulent information reflected on my credit report. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of identity theft and would like all listed accounts to be blocked and deleted. 

XXXX these are the accounts that are fraudulent. XXXX  XXXX XXXX line secured with account # XXXX opened on XX/XX/XXXX and a balance of {$260.00}. 
XXXX XXXXXXXX XXXX XXXX  XXXX XXXX secured with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. XXXX XXXX XXXX XXXX  XXXX loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. XXXX XXXXXXXX XXXX XXXX  XXXX loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$630.00}. XXXX XXXX XXXX  XXXX Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. XXXX XXXX XXXX Credit Card with account # XXXX  opened on XX/XX/XXXX and a balance of {$2100.00}. 

Failure to respond satisfactorily with deletion of the above referenced accounts, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Neglect Enablement of Identity Fraud 3.Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability fro willful noncompliance [ 15 U.S.C. 1681n ]

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 2024-08-16 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: TX

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # XXXX XXXX XXXX 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 2024-08-16 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: TX

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
AS I WAS ON VACATION IN 2021, MY WALLET WAS STOLEN AFTER THE PANDEMIC. THERE ARE ACCOUNTS ON MY FILE THAT WERE NOT AUTHORIZED BY ME. MAJORITY OF MY INFORMATION WAS UTILIZED ON THE XXXX WEB. I HAVE REPORTED ALL OF THESE ISSUES TO ALL THREE BUREAUS, XXXX, EQUIFAX AND XXXX WITH VALID FTC REPORT AND POLICE REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
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 2024-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: TX

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 non-monetary relief
Consumer complaint received 2024-08-16 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: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 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: GA

Complaint narrative:
I reviewed my credit reports and noticed that there was a Auto loan that was not mine

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 2024-08-16 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: GA

Complaint narrative:
I reviewed my credit reports and noticed that there was a Auto loan that was not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Dear CFPB XXXX Bank of America ; I am writing to formally dispute an account listed on my credit report by Bank of America, which I believe to be fraudulent. I have no knowledge of this account and have never had any prior relationship with this company or the original creditor. The balance reported is incorrect, and I have never entered into any contractual obligations with the mentioned entities. 

The inaccuracies in reporting this account violate both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). To resolve this matter expeditiously, I request the following documentation : Authorization Evidence : Proof of authorization under 15 USC 1692 ( e ) and 1692 ( f ) for handling this debt collection. 
Legal Basis : Documentation demonstrating the legal basis for the collection of this alleged debt. 
State Authorization : Proof of your authorization to operate and collect debts in my state. 
Debt Evidence : Evidence of the alleged debt, including any contracts or agreements bearing my signature. 
Account History : A complete account history, including all collection-related charges. 
Additionally, I am filing a formal complaint citing violations of my consumer rights under the FCRA and FDCPA, specifically : 1692d : Harassment or abuse in connection with debt collection.

1692e : Use of false, deceptive, or misleading representations.

1692g ( b ) : Failure to properly disclose my rights.

1692f : Use of unfair or unconscionable means to collect a debt.

Under 15 U.S.C. 602 ( a ), I demand the immediate cessation of all communications and collection activities related to this account. Furthermore, pursuant to 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written consent.

I request the immediate deletion of this disputed account from all three credit reporting agencies due to its unrecognized status and the lack of any valid contractual obligation. Your prompt attention to this matter is crucial. Failure to comply may result in further legal action to protect my rights. Please provide the requested proof of this debt or remove the erroneous account from my credit report as soon as possible. 

Thank you for your immediate attention to this serious issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: CA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 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: MS

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

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 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to dispute the accuracy of the late payments reported on my credit report related to the XXXX XXXX XXXX account. This information is inaccurate, and I am requesting that it be removed from my credit file immediately. 

Account name : XXXX XXXX XXXX Account Number : XXXX Account type : Time Share I contacted you to dispute the incorrect information regarding the late payments on my XXXX XXXX XXXX account. Under the following laws, I am requesting that a thorough investigation be conducted and my credit report be corrected : XXXX. **15 USC 1666 ( b ) - Fair Credit Billing Act ( FCBA ) : ** This law requires credit bureaus to properly investigate any disputes related to billing errors, including incorrectly reported payments. 

XXXX. **15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) - Fair Credit Reporting Act ( FCRA ) : ** Under this law, you are required to conduct a reasonable investigation when the accuracy of the reported information is questioned. 

XXXX. **15 USC 1681i - Reinvestigation of Information in Credit Reports : ** This specific provision of the FCRA requires you to reinvestigate any information that I, as a consumer, dispute as inaccurate or incomplete. 

XXXX. **15 USC 1692e - Fair Debt Collection Practices Act ( FDCPA ) : ** This law prohibits the presentation of false, misleading, or incorrect information in connection with the collection of debts. 

I request that you carefully review the reported information and provide clear and verifiable evidence of the accuracy of these late payments. If you are unable to provide such evidence, the late payments should be removed from my credit report immediately. 

I have attached copies of relevant documents that support my request for correction, including [ Describe any attached documents, such as account statements, letters from XXXX XXXX XXXX, etc. ]. 

Please notify me in writing of the results of your investigation and provide me with an updated copy of my credit report reflecting the requested corrections. 

Thank you for your prompt attention to this matter. I look forward to your timely response and resolution of this dispute.

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 2024-08-16 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:
I was completely taken aback this morning when I saw inaccurate accounts appearing on my credit report. I dont understand how this could have happened. I checked my credit report as I normally do, but this time there were errors that seemed to come out of nowhere. I even refreshed my browser, thinking it might just be a mistake, but nothing changed. These errors are really worrying me, so Im requesting that the documents I've provided be carefully checked so that I can have peace of mind moving forward.

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 2024-08-17 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: IL

Complaint narrative:
The discrepancies on my credit report are seriously holding back my financial freedom. Every time I apply for new credit, I get denied because of these errors. It's incredibly frustrating to feel like my rights as a consumer are being ignored.

Company response to consumer: Closed with non-monetary relief