vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-20 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: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: PA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: NY

Complaint narrative:
I originally took out a 0 % balance transfer on my Discover card. I have the promotion until XX/XX/year> inadvertently I used the card to purchase a few things I forgot and I wanted to pay it off right away but I forgot I called Discover a month ago because I saw interest on my account. They said its from the purchases that if I just pay off the purchases, then the interest will go away and Ill be back to just the balance transfer. I took another balance transfer from a new card just to pay that off and I called discover today to make sure that my payment of XXXX goes to my purchases and they said they cant do that. Its all just XXXX payment for purchases and 0 %. Ive been charged interest and will continue to be This is a deceptive practice

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
At the end of XXXX, I contacted Tower Loans to notify them that I had an upcoming XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and that I would be out of work for around XXXX XXXX months and I needed to ask for assistance with my payments, and the interest etc due to the financial hardship. The store representative XXXX. stated she could not remove any late fees the system would not " allow '' her to and i could make payments via cash or money order for a partial payment. I was attempting to make a payment of {$280.00} with my debit card over the phone and she refused to take this payment stating the system would not allow her. During my post op appointment weeks pior, XXXX the store representative contacted me via phone asking me to leave my doctors appointment, and meet her in a different town and bring her cash payment! This is not appropriate and I asked this company for help and informed them of my situation well in advance and they have refused to help me in any way. I am still not back at work and wont be until the end of XXXX due to XXXX XXXX XXXX XXXXXXXX XXXX. I have attempted several times to make a partial payment via debit card and its always refused unless its cash, money order, cashiers check, she has come to my home, and I dont understand how this is acceptable business practice! Its as if they just want to continue adding fees to my account and their refusal to work with me is baffling! Based on the reputation of this company, this is normal, they harrass people at their homes, wont work with anyone and try to make you refinance to get more money! they are predatory lenders and need to be shut down!

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 2024-12-20 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 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: NC

Complaint narrative:
Please read this complaint seriously and see the attached file. It's been such a long time that I have been trying to fix the errors being reported on my credit report, but to no avail. My requests to correct this incorrect information kept getting ignored and I had enough. This has affected all aspects of my life negatively ; it's taking a toll on my mental health that I wouldn't even be able to afford help because of my low credit score due to these errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2024-12-20 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: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-12-20 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: SC

Complaint narrative:
I reviewed my consumer report and previously informed your agency on XX/XX/year>XXXX  about several disputed items. Despite this notice, the issue remains unresolved in a manner that violates my rights under the Fair Credit Reporting Act ( FCRA ). I included an FTC Identity Theft Report and have also filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding these items.

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 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX - XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC
State: OH

Complaint narrative:
I used Lexington Law to fix my credit and did not do what was they was suppose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc
State: NM

Complaint narrative:
I do business with a seller on XXXX on a regular basis and because I buy numerous items from this seller, he refunds me back the excess shipping fees. I was using PayPal to complete these transactions as PayPal was using my XXXX XXXX Credit Card to pay for these transactions. Starting in XX/XX/year>, it appears both PayPal and XXXX XXXX Credit Card have consipred to commit fraud against me as I stopped receiving the credits on my PayPal which should have shown up on my XXXX XXXX Credit Card as a Credit. The last transaction in which PayPal notified my XXXX XXXX Credit Card was back on XX/XX/year>, in which I received a credit in the amount of {$8.00} from PayPal & a credit in the amount of {$20.00} from PayPal with both credits showing on my XXXX XXXX Credit Card Statement dated XX/XX/year>. I have since received none of the credits showing on my PayPal Account which have recently been removed from my PayPal Account. Someone now has this money and both PayPal XXXX XXXX XXXX Credit Card have gone to great lengths to conceal and hide this money so the outside world would not see it. I feel I have been a vicitm of fraud and I have lost all trust in doing business with both PayPay and XXXX XXXX Credit Card. I could see this being some sort of business glitch if 1 or 2 transactions, but it is in fact 14 different transactions with a total of {$190.00} basically stolen from me in plain sight. If they both do this to a 100 different customers per day, then they could be stealing around {$20000.00} of peoples money per day without any real proof to support this theft of peoples money. When I contacted PayPal regarding this issue, they at first tried to deny that I had any credits on my PayPal Account. When I explained each of the 14 Transactions/Credits on my PayPal Account , they then claimed the money had been sent to my XXXX XXXX Credit Card XXXX When I contacted customer service at XXXX XXXX Credit Card, they were not showing any credits being submitted from PayPal between the dates of XX/XX/year>XXXX  to XX/XX/year>. When I contacted PayPal cusotmer service a second time, they advised me I could rquest a Tracer Request which would determine where this money was and I advised them to go ahead and perform a Tracer Request. I never received an email regarding this Tracer Request from PayPal and when I went to message them this fact is when I noticed my complaint had been closed by PayPal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-20 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: VA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/year>XXXX  TransUnion received my request for their method of verification, pertaining to a previous dispute. TransUnion has FAILED to provide this information within the time allowed by the FCRA 1681i ( 7 ). 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. THEREFORE THE DISPUTED INFORMATION MUST BE DELETED IMMEDIATELY PER FEDERAL LAW. enclosed is proof of their receiving my request.

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 2024-12-20 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: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 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: SC

Complaint narrative:
I have recently reviewed my consumer report and informed your agency XXXX XXXX, XXXXregarding several disputed items. However, despite this notification, the issue remains unresolved in a manner that is fair and equitable to me, as required by the Fair Credit Reporting Act ( FCRA ). Your agency has clearly refused to follow the law and honor my previous request. Therefore, I am requesting a reinvestigation and demanding that your agency explain your METHOD OF VERIFICATION in verifying these items, pursuant to 15 USC 1681i ( 7 ). 

I have suffered emotional distress as a direct result of this matter, and I demand that this be resolved equitably, which has yet to be done.

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 2024-12-20 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: COOLEY ENTERPRISES INC
State: TX

Complaint narrative:
I called the company in Question CLAY COOLEY XXXX TEXAS, to told them I did not authorize them to pull my credit without me being present, I received over 6 Inquires and I wanted them removed immediately. I also stated that they picked out a car XXXX  XXXX XXXX, something I did not do, OR WOULD HAVE EVEN PICKED. This is fraud and they where trying to make a sell with out me being present that was fraud. 

They stated it was not them, so I contacted XXXX CLAY COOLEY, and I got NO RESPONSE from them at all.

Company response to consumer: Untimely response
Consumer complaint received 2024-12-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I had an account fraud earlier in XXXX  during which some fraudster took advantage of weak defenses in PayPal to use my account to get payments from customers that he did not deliver. PayPal reversed these transactions once I became aware of it and complained but it appears they did not reverse all the transactions which resulted in this remaining balance. I have received no payment in bank accounts owned by me or anyone I know. All the money went to some fraud account that PayPal had investigated earlier. 

My account has been locked since early in the year and I have know way of receiving messages sent by PayPal as all of them are through this locked account. 

I need someone from PayPal management to quickly contact me to resolve this issue and reverse any adverse reporting on credit bureau and reimburse me for any expenses/ time incurred due to insufficient handling of fraud case on their part. 

I have spent several hours trying to speak with multiple people at PayPal or their outsourced service centers. They have not been of any help and keep sending me to automated emails etc that require authentication through my locked PayPal account. 

Please contact me by mail as I can not use PayPal account. 

Please escalate to Senior Management at PayPal as average agents there are unable/unwilling to help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-20 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: NC

Complaint narrative:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: MD

Complaint narrative:
My issue is with Mohela loan servicer for my federal loans. They implement inhumane wait times, regularly drop calls, and provide inaccurate or contradictory information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation