vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-02 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:
On XX/XX/XXXX a call was made and According to XXXX XXXX XXXXXXXX over a conversation with my financial advisor who was on the phone. XXXX XXXX XXXX explained that the purported debt was sold off to XXXX XXXX in XXXX. However I never received any communication that a new dept collector named XXXX XXXX had purchased the purported debt that never belonged to me. This is a clear violation of section 611 of FCRA. See attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
EQUIFAX STUDENT LOAN DISPUTE Subject : Request for Deletion of Student Loans- 15 USC 1681s-2 Attn : EQUIFAX Credit Team I am writing to dispute the presence of student loans on my credit report. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) as outlined in 15 USC 1681s-2, I request that you delete the student loans from my credit report. 

Upon reviewing my credit report, I noticed that student loans are being reported. However, these loans do not belong to me, and their presence on my credit report is inaccurate and damaging to my creditworthiness. 

As mandated by the FCRA, credit reporting agencies are required to maintain accurate and up-to-date information in consumer credit reports. Therefore, I request that you promptly delete the student loans from my credit report to ensure its accuracy. 

I understand that resolving this matter may require an investigation. However, I urge you to take immediate action to correct this error and prevent any further negative impact on my credit profile. 

Please provide me with written confirmation once the student loans have been deleted from my credit report, as well as any additional steps taken to rectify this matter. 

Thank you for your prompt attention to this issue. I appreciate your cooperation in resolving this dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
accordance with the Fair Credit Reporting Act the list of accounts below have 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 Attorney General # XXXX, XXXX XXXX XXXX # XXXX XXXX Office Of the Attorney General # XXXX, Attorney XXXX, XXXX XXXX ( reported several times ), XXXX XXXX XXXX I looked at my XXXX credit report and saw things were not accurate and incomplete. And according to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates to according to 15 USC 1681 ( e ) ( b ) And according to 15 USC 1681 5 they are supposed to do this 5 Treatment of inaccurate or unverifiable information. ( A ) general after any reinvestigation under paragraph ( 1 ) of any information disputed.

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 2024-05-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Timely payments are always a priority for me, and I am certain about this. However, I am unsure why this company is reporting me as late in certain months, which should not be the case. According to USC 1666b, any billing error should be corrected, or they will be liable to pay me {$1000.00} for each account reporting inaccurately.

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 2024-05-02 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: FL

Complaint narrative:
EQUIFAX NEGATIVE ACCOUNT DISPUTE Subject : Request for Verification or Deletion of Negatively Reporting Accounts- 15 USC 1681i Dear EQUIFAX Credit Team : I am writing to dispute the accuracy of information contained in my credit report, specifically regarding the accounts listed below which are negatively impacting my credit profile : 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 Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) as outlined in 15 USC 1681i, I am requesting that you undertake an investigation to verify the validity of the reported accounts or, if unable to do so, delete it from my credit report in accordance with my FCRA rights and the law. 

Upon reviewing my credit report, I discovered that the accounts in question are being reported negatively. However, I have reason to believe that this reporting may be inaccurate or incomplete. I have not received any documentation or communication from the creditor regarding these accounts, nor have I been provided with any evidence supporting the reported information. 

As mandated by the FCRA, I request that you conduct a thorough investigation into the validity of these accounts. This includes verifying the accuracy of the account information, the identity of the creditor, and the details of any transactions or activity associated with the account. 

Furthermore, if you are unable to verify the accuracy of these accounts within the statutory timeframe, I request that they be deleted from my credit report immediately. The FCRA requires credit reporting agencies to maintain accurate and fair information, and inaccurate reporting can have significant adverse effects on my financial standing and opportunities. 

Please provide me with a written response detailing the results of your investigation and any actions taken within the timeframe required by law. Additionally, please include any documentation or evidence that supports the accuracy of the reported accounts. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: IDAHO CENTRAL CREDIT UNION
State: ID

Complaint narrative:
On XX/XX/XXXX I had two transfers of {$4500.00} put into my account On XX/XX/XXXX two transfers of {$5000.00} were added to my account On XX/XX/XXXX all the transfers were successfully cleared. My bank froze my accounts stating the transfers might " bounce '' like a bad check. But that's not how transfers work the money can not be taken back once cleared. Idaho central credit Union is refusing to give me access to my account or money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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: CA

Complaint narrative:
Hello i recently look to my credit report and i was shocked to see that i have been victim of identity theft, i found on my credit report fraudulent account, that i want to dispute, i am in the process to buy a new car but this fraudulent information harm my credit report. 
XXXX XXXX  : opened XX/XX/2022 XXXX XXXX : Account number XXXX XXXX XXXX  : Fraudulent Charges {$29.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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: IL

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

I looked at my Equifax credit report on XX/XX/2024 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 generallf, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I was reviewing my credit report and noticed hard inquiries 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 explanation
Consumer complaint received 2024-05-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have contacted reporting agencies and requested validation and verification of accounts. Please see details of request below Im exercising my right under the Fair Credit Reporting Act, Section 609, to request validation, as this is causing damages to my credit report. I am requesting you remove XXXX XXXX XXXX and XXXX from my credit report immediately as it violates the FCRA and FDCPA laws. I have sent validation of debt information to creditor and received no response within the 30 days allotted. 
I wish to see the original sources of the information reported including, but not limited to, the original contract or service agreement with my original wet signature. I am also requesting for you to provide me with all information and documents pertaining to civil claim and/or judgment in accordance with the 15USC 1692h 809b as I have reached out to the debt collector If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. If this debt can not be validated it needs to be removed from my credit report immediately or I will be in contact with the Office of Consumer Affairs and Business Regulations and file and FTC report for permissible purpose as you do not have permission to have this account in my consumer credit report. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal 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 2024-05-02 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: MA

Complaint narrative:
I have contacted reporting agencies and requested validation and verification of accounts. Please see details of request below Im exercising my right under the Fair Credit Reporting Act, Section 609, to request validation, as this is causing damages to my credit report. I am requesting you remove XXXX XXXX XXXX and XXXX from my credit report immediately as it violates the FCRA and FDCPA laws. I have sent validation of debt information to creditor and received no response within the 30 days allotted. 
I wish to see the original sources of the information reported including, but not limited to, the original contract or service agreement with my original wet signature. I am also requesting for you to provide me with all information and documents pertaining to civil claim and/or judgment in accordance with the 15USC 1692h 809b as I have reached out to the debt collector If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. If this debt can not be validated it needs to be removed from my credit report immediately or I will be in contact with the Office of Consumer Affairs and Business Regulations and file and FTC report for permissible purpose as you do not have permission to have this account in my consumer credit report. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/2024 I received {$99.00} cents from a transaction for collaborating while doing so he got the items he wanted. afterwards I had an incident where my phone was completely shattered which i couldnt even open or go on. after a week and a half I got my phone fixed and saw my Paypal negative. I tried to text the person who gave me the money for the collab but he blocked me on everything. Contacted Paypal showed them evidence of him blocking me and they said they will get back to me. 2 days later he begins saying disturbing and disrespectful things on social media which i did show Paypal in the evidence but they still didnt show any care in the world. He was showing me his private parts, threatening me and laughing at scamming me. This did result into me going to the hospital. I did let Paypal know and I also stated why they would believe someone who didnt put NO EVIDENCE supporting his claim and yet still to this day im negative. Im not paying this obsolete disrespectful and disgusting person.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.

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 2024-05-02 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: FL

Complaint narrative:
15 U.S. Code 1681c-7, a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information thus from an alleged identity theft, not later than 4 business days after the date reception. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!!! Please delete these items IMMEDIATELY!! These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S.Code 1681b- Permissible purposes of consumer reports in general to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other. In accordance with the WRITTEN INSTRUCTIONS consumer to whom it reaches. I NEVER GAVE any consumer reporting agencies to report anything on my consumer report which violates my rights as a consumer. NO CONSENT IS IDENTITY THEFT. As a consumer who is demanding the deletions of the accounts listed IMMEDIATELY!!!

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 2024-05-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XXXX XXXX 2023, I booked an online reservation at XXXX XXXX in XXXX using my Chase card. A few hours later I received a text message from Chase saying that the charge did not go through and " you will not be charged unless the purchase is attempted again. '' The next day, due to weather and because I got XXXX, I had to cancel my vacation. Given that Chase clearly stated the transaction was declined, I knew I didn't need to call the hotel to " cancel ' since nothing had been charged. 

Several weeks later, my credit card statement showed that I HAD, in fact, been charged. I called the hotel to get a refund since I never stayed there, and they would not refund me. 

But ultimately, Chase is accountable for this : Their text message clearly indicated that the transaction was declined and would not be charged again unless I attempted. Since I did not make a 2nd attempt, why was my card charged? Chase should not have let the hotel charge my card an additional time without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I am a longstanding cardholder of a Capital One card. I transferred a balance from another high interest card to take advantage of a XXXX  % balance transfer offer. The details of the balance transfer offer are not visible on the Capital One app in account details nor the statements issued by Capital One. After looking online on my own several times I called and spoke to an agent. The agent kept answering my promotional balance question by telling me my current purchase APR, which was not my question. I waited on the call for 29 minutes and was asked a 3rd time to please hold while she attempted to figure out my rate on my current balance. At that point I requested to speak to a supervisor. I was explained that my 0 % APR expired on XX/XX/XXXX. I asked what year, to which she said this year. I indicated there was ZERO transparency as to the terms of the balance transfer anywhere on my account nor my statements offering me the opportunity to pay the balance off prior to being assessed interest. I was told they only disclose at the time you make the balance transfer. I have been in the financial industry my entire life and I am shocked that Capital One is able to get away with this complete lack of transparency causing a negative impact to financially responsible consumers. Further the lack of ability for a servicing agent to be able to easily identify that information for consumers is appalling.

Company response to consumer: Closed with explanation