vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-02 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: NV

Complaint narrative:
I am writing to formally dispute fraudulent accounts and inquiries that have been reported on my credit file. As a victim of identity theft resulting from a data breach, I request the immediate blocking and deletion of all accounts and inquiries listed below, in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts XXXX. XXXX - Account # : XXXX - XX/XX/XXXX - {$950.00} XXXX. XXXX XXXX - Account # : XXXX - XX/XX/XXXX - {$1100.00} XXXX. XXXX XXXX  - Account # : XXXX - XX/XX/XXXX - {$4800.00} XXXX. XXXX  XXXX  - Multiple accounts from XX/XX/XXXX to XX/XX/XXXX totaling {$2300.00} XXXX. XXXX - Account # : XXXX - XX/XX/XXXX - {$1800.00} XXXX. XXXX XXXXXXXX - Account # : XXXX - XX/XX/XXXX - {$2000.00} XXXX. XXXX - Account # : XXXX - XX/XX/XXXX - {$2300.00} XXXX. XXXX XXXX - Multiple accounts from XX/XX/XXXX to XX/XX/XXXX totaling {$1900.00} XXXX. XXXX XXXX - Multiple accounts from XX/XX/XXXX to XX/XX/XXXX totaling {$3600.00} XXXX. XXXX XXXX - Account # : XXXX - XX/XX/XXXX - {$950.00} XXXX. XXXX - Account # : XXXX - XX/XX/XXXX - {$4200.00} XXXX. XXXX - Account # : XXXX - XX/XX/XXXX - {$560.00} XXXX. XXXX - Account # : XXXX - XX/XX/XXXX - {$240.00} XXXX. XXXX - Account # : XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX XXXX - Account # : XXXX - XX/XX/XXXX - {$930.00} XXXX. XXXX - Multiple accounts from XX/XX/XXXX to XX/XX/XXXX totaling {$650.00} Fraudulent Inquiries XXXX. XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX  XXXX- XX/XX/XXXX XXXX. XXXX - XX/XX/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 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

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 each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "

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 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NJ

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 TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2024-12-02 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: EQUIFAX, INC.
State: GA

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 2024-12-02 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:
I recently discovered multiple inquiries from your company on my credit report that I didnt authorize.

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 2024-12-02 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: FL

Complaint narrative:
I- I pulled my Experian credit report dated XXXX II- I sent a dispute letter to Experian letter dated XXXX and states the following : " THE FOLLOWING ACCOUNTS ARE WRONG AND INACURRATE INCLUDING HIGH CREDIT LIMIT, INCOMPLETE PAYMENT HISTORY AND LATE PAYMENTS. PLEASE DELETE THEM. 

XXXX. XXXXXXXX XXXX XXXX ACCOUNT # XXXX XXXX. XXXX  XXXX ACCOUNT # XXXX XXXX. XXXX  XXXX ACCOUNT # XXXX XXXX. XXXX  XXXX ACCOUNT # XXXX XXXX. XXXX  XXXX ACCOUNT # XXXX XXXX. XXXX  XXXX ACCOUNT # XXXX XXXX. XXXX XXXX ACCOUNT # XXXX XXXX. XXXX XXXX XXXX XXXX  ACCOUNT # XXXX XXXX. XXXX XXXX  XXXX ACCOUNT # XXXX '' ____________________________________________________________________________________________ III- I personally signed and mailed the dispute letter certified mail on XXXX and Experian XXXX it on XXXX IV- However, I received a letter dated XXXX from Experian stating XXXX the dispute was not sent or authorized by me therefore, not investigating the disputes and failing hen do an investigation on my credit file. The response from Experian has no merit when I signed and mailed out the dispute letter myself. The response I receive from Experian is just a delay tactic letter to confuse consumers and Experian failing to do a proper dispute within the guidelines directed by the FCRA. Per statue the accounts needs to be deleted.

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 2024-12-02 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: GA

Complaint narrative:
There are items on my credit report that were included without my authorization, and this is a serious issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding XXXX XXXX was submitted on XX/XX/year>, and I have not yet received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: MD

Complaint narrative:
I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I have a personal PayPal account and someone sent me an XXXX on XX/XX/2024 for {$200.00}. I spoke with XXXX on XX/XX/2024 and they told me I would be getting the funds on XX/XX/2024. However, I still have not received the funds. I contacted PayPal live support and spoke with XXXX, who informed me that I will not be getting the funds until XX/XX/XXXX, as weekends are not counted. I replied that I was told I would receive the funds on XX/XX/2024. XXXX responded saying that the holiday weekend will make the transfer longer. I feel like I am getting the runaround with this payment, especially considering it was supposed to be transferred in XXXX and it is now XXXX. 

On XX/XX/2024, I asked XXXX to explain why my account shows that funds were transferred in XX/XX/2024, when it is now XXXX. XXXX refused to answer me. The way the customer service representatives speak to me in their live support makes it sound like either they are AI or PayPal has pre-filled information that they simply click a button to send to customers. They refuse to address this issue. 
As a craft creator, I have spoken with over 10 others who sell crafts and they have all said they had to stop using PayPal because they were not receiving funds for two months and PayPal tends to side with scammers. I can understand why everyone is leaving PayPal and using XXXX instead. 

Every time I ask XXXX a question they send me this pre filled information four times in the Live chat and they will not answer my question did they see my screenshot or not all they do is send this pre filled information I'm really sorry, XXXX. When an eCheck payment is processed, it usually takes between 4-7 business days to clear, but sometimes it may take longer ( Saturday, Sunday, and Holidays arent considered business days ). So, from the date of transaction i.e XX/XX/2024 it takes 4 - 7 business days to clear the Check. As on XX/XX/2024, and XX/XX/2024, was holiday, that is the reason the clearing date of your XXXX will be on XX/XX/2024.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I had a Mortgage that was paid off back in XX/XX/year>. Before I paid off my mortgage these consumer companies ( Experian, XXXX ) had taken over XXXX points off my credit score for being 30 days late. But ever since I paid it off they have not raised my credit score.

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 2024-12-02 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: Affirm Holdings, Inc
State: MN

Complaint narrative:
After pulling my credit to attempt to get a house, I noticed with the report I had 7 total accounts opened/late that I did not open under a company called Affirm Inc . 

After extensive research, and digging in I found that my social was somehow used under a XXXX XXXX name. I called in to get this fixed since I am nowhere in their system, but because my social was stolen and being used by someone else I couldn't get anywhere. 

Below is a list of fraudulent account that my identity was stolen to open under someone else 's name/address/phone number/ etc. 

AFFIRM INC Balance updated : XX/XX/year>, Past due amount : {$34.00} AFFIRM INC Balance updated : XX/XX/year>, Past due amount : {$54.00} AFFIRM INC Balance updated : XX/XX/year>, Past due amount : {$63.00} AFFIRM INC Balance updated : XX/XX/year>, Past due amount : {$51.00} AFFIRM INC Balance updated : XX/XX/year>, Past due amount : {$66.00} AFFIRM INC Balance updated : XX/XX/year>, Past due amount : {$68.00} AFFIRM INC Balance updated : XX/XX/year>, Past due amount : {$60.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I am submitting this complaint because PayPal has repeatedly denied my applications for their Pay in 4 installment loan program, citing Previous fraudulent activity on PayPal Pay in 4 as the reason. I believe these denials are unjust and discriminatory, as they penalize me for reporting fraudulent activity on my account, which is a responsible action taken to protect my financial integrity.

Below are the relevant details of my applications and PayPals responses : 1. Application Date : XX/XX/XXXX Denial Reason : Previous fraudulent activity on PayPal Pay in XXXX. 
Reference Number : XXXX XXXX XXXX XXXX XXXX XXXX  Denial Reason : Previous fraudulent activity on PayPal Pay in XXXX. 
Reference Number : XXXX XXXX XXXX XXXX XXXX XXXX  Denial Reason : Previous fraudulent activity on PayPal Pay in XXXX. 
Reference Number : XXXX XXXX. Application Date : XX/XX/XXXX Denial Reason : Previous fraudulent activity on PayPal Pay in XXXX. 
Reference Number : XXXX XXXX. Application Date : XX/XX/XXXX Denial Reason : Previous fraudulent activity on PayPal Pay in XXXX. 
Reference Number : XXXX In each instance, PayPal has cited the same reason for denial, without further clarification or investigation. I have acted in good faith by reporting fraudulent activity in the past, and I should not be penalized for doing so. Reporting fraud is a responsible action and does not reflect poor creditworthiness or financial risk.

Today, I contacted the PayPal Pay in 4 department to discuss these repeated denials. The representative informed me that the online Pay in 4 application is an automated system, and there is nothing their employees can do. This indicates that the decision-making process is entirely automated, leaving me with no recourse to have my situation reviewed or resolved by a human.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX XXXX XXXX XXXXXXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2024-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
FEMA credited my account {$6800.00}. It was deposited to Sofi, then it was moved to a brokerage within SOFI. Upon informing SOFI, they froze my account. By the time I was able to get back into my account, the money was Gone. Sofi refuses to return the deposit back to FEMA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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:
There is a clear bug in PayPal 's processing of some transactions. The company does not take any responsibility. Customer service is powered by Artificial Intelligence and obviously unhelpful. The agent ( if this was a real agent ) provided information that I was not presented while confirming the payment within PayPal. PayPal suddenly chose my bank account as payment source without my approval. PayPal did nothing to fix the situation, even after I asked for a manager to review. 

As I was making a purchase, I selected PayPal, logged in, and selected the card ending in XXXX as the method of payment. The attached screenshot shows that clearly. 

However, PayPal charged one of my checking account instead of the selected card. I was only informed of this in the email confirmation, after the transaction was processed. 

I immediately informed PayPal customer service. I was told this transaction was an Instant Transfer and this type of transaction is always charged to bank account. 
Important note : I was never informed this would be an Instant Transfer. The attached screenshot does not show this anywhere, and in fact PayPal 's popup clearly allowed me to select the card I wanted to use to pay for the transaction. 

This was a service purchase for a VPN service, not a money transfer. I could have paid the service with a credit card directly, so it's not that the merchant only allows bank transfers. 

This is clearly a PayPal error in identifying what type of transaction will be processed, and where the funds will come from. 

Also, please note that I never authorized PayPal to debit my bank account. I have never used this bank account for payments inside PayPal, I only use it to receive funds. The bank account was not prepared to receive this debit, and even though the debit by PayPal might succeed, it will prevent other debits I have scheduled to happen, causing me financial loss and stress. 

I never authorized PayPal to debit the bank account. I was never informed by PayPal that this would be an Instant Transfer. I never authorized this transaction to charge my bank account. I never selected this bank account as a payment source for any transaction within PayPal.

Company response to consumer: Closed with explanation