vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-23 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-23 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: CO

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 non-monetary relief
Consumer complaint received 2024-09-23 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: EQUIFAX, INC.
State: CO

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
You stated in your dispute results that you are reporting this account accurately. Well, I disagree. I would like to see all the documents you used to verify the account listed. Please do not send me a letter stating that you have already verified he accounts ; I would like to see real proof. 

Please email me this information to me 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 non-monetary relief
Consumer complaint received 2024-09-23 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: NY

Complaint narrative:
I was looking to purchase concert tickets and was provided with an email address to send money via PayPal. Originally, I thought I provided PayPal with the wrong email address but it was correct. 

On XX/XX/XXXX I sent {$350.00} to XXXX XXXX at XXXX via PayPal. The XXXX ID is XXXX. The tickets should have appeared in my XXXX account within XXXX hours. When they did not show, I contacted XXXX XXXX and I was immediately blocked. I then contacted PayPal on XX/XX/XXXX via their dispute center ( Case ID : XXXX ). I informed them that the site indicated the following " The recipient has not yet received the money. Your recipient should have the money by XX/XX/XXXX. '' Therefore I told them, I need to cancel this before XX/XX/XXXX as it was only XX/XX/XXXX and I was not given any option to cancel myself. They did not do this. I gave them further information on other dates. On XX/XX/XXXX they said " This case was closed in the seller 's favor. '' I was not given any option to dispute their decision even though they tell you on their site that you can. I notified my bank on XX/XX/XXXX to not allow any payments to go through to PayPal. I will attach all the documentation I have with PayPal. 

My account did not allow the payment to go through on XX/XX/XXXX and now PayPal says I owe them {$350.00}. {$350.00} plus {$4.00} for PayPal 's fee. They then had a collection agency call me to which I explained all of the above. They have not called back but I do not want this to effect my excellent credit rating. 

It appears PayPal has a lot of unsavory practices, even on your site. I hope that you can help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-23 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:
This morning, I was shocked to see inaccurate accounts listed on my credit report, and I honestly have no idea how they got there. I check my credit regularly, and everything was fine until today when these errors suddenly appeared. I even tried refreshing my browser, hoping it was just a technical glitch, but nothing changed. The accounts were still there, and I am deeply concerned. I need assurance that the documents Ive sent will be reviewed carefully so I never have to face this stress again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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: PA

Complaint narrative:
I opened a XXXX account on XX/XX/year>. At the time of opening based off of the attached terms, I had every reason to believe that the XXXX account was a deposit account that has a debit card. Shortly after opening account, I learned that the account secure credit card. On XX/XX/year>, I contacted XXXX support and explained that I was not aware that it was a secure card & requested that the account be immediately closed. My credit reports are now showing XXXX. At the time of opening, my reports were frozen. I never gave XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) permission to access my report and open a secure credit card. Their terms are very misleading.

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 2024-09-23 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: PA

Complaint narrative:
I opened a XXXX account on XX/XX/year>. At the time of opening based off of the attached terms, I had every reason to believe that the XXXX account was a deposit account that has a debit card. Shortly after opening account, I learned that the account secure credit card. On XX/XX/year>, I contacted XXXX support and explained that I was not aware that it was a secure card & requested that the account be immediately closed. My credit reports are now showing XXXX. At the time of opening, my reports were frozen. I never gave XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) permission to access my report and open a secure credit card. Their terms are very misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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:
When I checked my credit report this morning, I was stunned to see inaccurate accounts listed, and I have no explanation for how they got there. I do this regularly, but out of nowhere, these errors popped up. I refreshed the browser, hoping it was a simple glitch, but that wasnt the case. The incorrect information remained. Thats why Im requesting that the documents Ive submitted be thoroughly reviewed so I can stop stressing about this.

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 2024-09-23 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: FL

Complaint narrative:
I couldnt believe my eyes this morning when I saw unfamiliar accounts on my credit report. Ive always been careful to check my credit, and today was the first time something so unsettling has shown up. Even after refreshing the page multiple times, these accounts didnt disappear. Im incredibly worried and need the documents Ive provided to be inspected with care, so I never have to go through this nightmare again.

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 2024-09-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Certified Solutions, Inc
State: NJ

Complaint narrative:
Dear Consumer Financial Protection Bureau, I hope this message finds you well. I am reaching out to request your assistance regarding a distressing situation I am currently facing with debt collection. 

Recently, I gave birth at XXXX XXXX XXXX University Hospital and, prior to my hospitalization, I took the necessary steps to confirm that my health insurance with XXXX XXXX would cover all expenses related to my pregnancy and delivery. Both XXXX XXXX and the hospital confirmed my coverage ; however, several months after my child 's birth, I received an unexplained bill from XXXX XXXX XXXX XXXX. 

I have made multiple attempts to seek clarification on this bill by contacting the hospital directly. Unfortunately, I have yet to receive a valid explanation regarding the charges. Each time Ive called, I was promised a call back, but that follow-up has not occurred. I even expressed my willingness to establish a payment plan to address the bill, as I am currently not financially stable due to my recent childbirth and time away from work. However, my inquiries have gone unanswered for an extended period. 

On XX/XX/year>, I received a call from a debt collection agency named Certified Solution, informing me that they are now handling this alleged debt from XXXX XXXX XXXX XXXX. During the call, I attempted to explain my situation to the representative. Unfortunately, the representative was uncooperative, refusing to acknowledge my right to dispute the debt within the XXXX timeframe as mandated by law. Despite my requests to initiate a dispute with the hospital, it felt as though my concerns were dismissed, and the representative was exceedingly rude and unsympathetic. 

Given this frustrating experience, I believe it is unjust for my child 's account to be sent to a collection agency without proper communication or explanation from XXXX XXXX. I feel that I have been treated unfairly, and I am seeking help in resolving this matter. 

I kindly ask for your assistance in addressing this situation. Any guidance or intervention from the Consumer Financial Protection Bureau would be greatly appreciated as I navigate this difficult circumstance. 

Thank you for your attention to my request. I look forward to your timely response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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: PA

Complaint narrative:
While checking my credit profile I had some hard inquiries listed that do not belong to me.

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 2024-09-23 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: CARVANT FINANCIAL LLC
State: MD

Complaint narrative:
This company is reporting fradulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account also other documents so that I may review to see if these accounts actually belongs to me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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:
The data on my consumer report is a result of identity theft. I did not authorize the inclusion of identification transactions on my report. I kindly request that this information be promptly blocked and deleted within XXXX days. This request is not made in error nor based on any misrepresentation of facts regarding the transactions as the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-23 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: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I am writing to express my significant concern about inaccurate items reporting on my credit file. I have raised several complaints about this issue, despite my efforts the erroneous items continue to severely damage my credit file. It has caused every credit application for the past 2 years to be denied. According to 15 U.S.C.1681 Section 611 ( a ) ( 1 ) ( A ) there should not be any damages on my credit report this is defamation to my character and I want to emphasize the severe financial and emotional distress that this negative rating has caused me for the past 2 years and will continue to cause until it is resolved.The information on my credit report was obtained without my consent. Pursuant to the Privacy Act of 1974 ( 5 U.S. Code 552a ) and the Fair Credit Reporting Act ( 15 USC 1681 section 602 ), I did not authorize the release of my personal information or credit history to XXXX, XXXX or XXXX. Additionally, I would like to bring to your attention that under the XXXX XXXXXXXX XXXX XXXX XXXX 15 USCS 1666b ), any financial institution is required to obtain written consent before sharing any sensitive information about an individual 's financial history. 
It has been well over a year since XXXX completed its investigation and removed these erroneous accounts in may of XXXX XXXX has completed its investigation, including contacting the furnisher of the information. The results of the investigation were provided to XXXX and XXXX in several complaints yet they both completely failed to conduct a proper investigation or comply with FCRA STANDARDS, entirely refusing to fix these issues, and continue to report inaccurate information to my credit file with actual knowledge of errors. This is a clear violation of my consumer rights, specifically Responsibilities of furnishers of information to consumer reporting agencies ( 15 U.S. Code 1681s2 ), Civil liability for willful noncompliance ( 15 U.S. Code 1681n ), and Civil liability for negligent noncompliance ( 15 U.S. Code 1681o ) I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance. I ask that you remove this erroneous account from my credit report immediately. Account XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall 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 non-monetary relief
Consumer complaint received 2024-09-23 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:
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 2024-09-23 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: TX

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 2024-09-23 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: IL

Complaint narrative:
To whom it may concern : I recently pulled my Transunion credit report and noticed a numerous amount of hard inquiries on my report that was unvalidated and unauthorized. Below are the companies that ran my credit along with the dates of completion. 
1. XXXX  ( finance ) XXXX XXXX XXXX 2.XXXX  XXXX XXXX XXXX ( finance ) XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX ( finance ) XXXX XXXX 4. XXXX Bank XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX 5. XXXX acceptance ( Bank ) XXXX XXXX 6. XXXX XXXX XXXX  ( finance ) XXXX XXXX 7XXXX XXXX  XXXX  ( bank ) XXXX XXXX 8.XXXX XXXX XXXX XXXX ( finance ) XXXX XXXX 9. XXXX XXXX XXXX XXXX ( finance ) XXXX XXXX 10. XXXX XXXX XXXX ( finance ) XXXX XXXX 11. XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX 12.XXXX  ( finance ) XXXX XXXX 13. XXXX ( finance ) XXXX XXXX XXXX 14. XXXX ( bank ) 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 2024-09-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
On XX/XX/year>, a number showed on my called ID as being from XXXX XXXX. When I answered the lady stated my name and then without any other verification proceeded to tell me that her company, which she didnt state the name of, will be taking legal action against me. I hung up and XXXX  the number because XXXX XXXX, which I am a XXXX  at, has no reason to tell me that they are pursuing legal action against me, and it stated that this number belongs to Midland Credit Management.

Company response to consumer: Closed with non-monetary relief