vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Fraud account under my name and Fraud address as well please remove all the is not on my ID closing out with a ID card with the right informations

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 2024-01-30 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: CL Holdings LLC
State: SC

Complaint narrative:
this debt collection agency furnished my nonpublic personal information to the consumer reporting agencies without permissible purpose : written instructions of whom the consumer relates and without my prior consent to reach out to me in regards to a debt.

15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt The acts of furnishing my nonpublic personal information without permissible purpose is an invasion of my privacy, damage to my character, my reputation and my livelihood This debt collection agency has no regard to consumer privacy and is in violation of multiple laws 15 U.S. Code 1681n - Civil liability for willful noncompliance a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I demand this account be deleted without reinsertion CEASE AND DESIST

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 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: LA

Complaint narrative:
I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.

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 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AE

Complaint narrative:
I have been trying to correct my " Current '' address on Equifax for some time now! I have even called them on multiple occasions and was finally advised to send them the following and they will correct it : 1- Copy of my drivers license ( back and front ) 2- A document with reference to my SS # such as a W2 Please see attached file. It could not be more simple with all the mark upas and instructions! Yet, they have managed to screw it up! 

My Current address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ** the current address is a military format address where XXXX  is used for the " City '' and XXXX  for the " State '' ( XXXX XXXX XXXX XXXX XXXX  ). In some case XXXX  is not available as an option, so XXXX  can be used since our division is under XXXX  command. 

They have updated my current address but incorrectly, as they have addeXXXX XXXX XXXX XXXX!! that is incorrect, the city should be XXXX and not XXXX XXXX. the STATE can be XXXX  and not XXXX  if there is no option to update it as such. 

My Previous Address is : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They have also completely deleted it on my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
Dear PayPal Support Team, I trust this message finds you well. I am writing to appeal the permanent limitation placed on my PayPal account, associated with the email address XXXX. I firmly believe that this limitation is a result of a misunderstanding, as I am confident that I have not violated any of PayPal 's policies or engaged in any unauthorized activities. 

As a dedicated PayPal user for an extended period, maintaining a positive and trustworthy relationship with PayPal is paramount to me. I am fully committed to resolving any issues or concerns that may have contributed to this unfortunate situation.

I kindly request a comprehensive reevaluation of my case, urging a careful examination of the circumstances surrounding the permanent limitation of my account. I am confident that this review will reveal an error or misunderstanding. I am ready to provide any necessary documentation or information to support my appeal. Reinstating my PayPal account would not only alleviate my current financial inconvenience but also enable me to continue using PayPal for secure and efficient financial transactions, just as I have done in the past. 

I deeply appreciate your prompt attention to this matter and kindly ask that you initiate the review process without delay. If specific documents or details are required from my end to facilitate this process, please do not hesitate to inform me. 

Thank you for considering my appeal. I look forward to a swift resolution of this issue and the opportunity to resume using PayPal 's services. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 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: LA

Complaint narrative:
I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off 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 2024-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
My son made the full payment on the card. and he processed the payment! Then they canceled the account without any explanation! then it was tried on several occasions and it turns out that they want more money and above all they asked me and my potential son negative and they damaged our credit on purpose! It was on the credit no late payments ok now they changed it and put debts that were never paid

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 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
With having credit building loans for well over 6 years, no negative inquiries, no late payments and several paid off loans, I don't see how my credit score has risen and dropped XXXX points over the last couple months not to mention it is at XXXX. The only negative impact I can see is my credit usage limit at 66 % which seems marginal compare to the history. Is there something missing or not reported correctly? I just don't know where to look or go from here. My score has been the same for years with minimal increase.

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 2024-01-30 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: IL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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 2024-01-31 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: TX

Complaint narrative:
On XX/XX/XXXX I inquired about a potential loan from XXXX XXXX. I filled out the application online but didn't finish it. A lady named XXXX called me to see if I wanted to process and complete the loan that I needed to provide certain documents. I called her back and let her know that I didn't want the loan and to not process it. However the people at XXXX XXXX has called me numerous time a day and left voicemail since XX/XX/XXXX even though I called and told them I do not want the loan and to not process it. XXXX called again today XX/XX/XXXX to let me know that she ran my credit anyway and to see if I wanted the loan now since my credit was ran. I told her that I cancelled the process and I do not want it. She then mentioned again that my credit was ran and to see I wanted it or she would deny it.

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 2024-01-31 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: TX

Complaint narrative:
On XX/XX/XXXX I inquired about a potential loan from XXXX XXXX. I filled out the application online but didn't finish it. A lady named XXXX called me to see if I wanted to process and complete the loan that I needed to provide certain documents. I called her back and let her know that I didn't want the loan and to not process it. However the people at XXXX XXXX has called me numerous time a day and left voicemail since XX/XX/XXXX even though I called and told them I do not want the loan and to not process it. XXXX called again today XX/XX/XXXX to let me know that she ran my credit anyway and to see if I wanted the loan now since my credit was ran. I told her that I cancelled the process and I do not want it. She then mentioned again that my credit was ran and to see I wanted it or she would deny it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 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: AXOS FINANCIAL, INC.
State: FL

Complaint narrative:
On XX/XX/ I ordered fruits from a farmer using an announcement or advertising in XXXX. A few days passed ( XXXX ) and no delivery of fruits then I go to my bank application ( Axos Bank ) and blocked my Debit card and check my statement, still processing it, and send a fraudulent transaction to the bank account. Then reading the transaction shows a company named " XXXX XXXX' dealing in households merchandise as the payee of my purchase of fruits. Immediately I claimed as fraudulent transaction and still processing the transaction. I wrote an email to XXXX requesting more information about the transaction resulting in blocking my email as today denying me the access and information requested. No products or fruit delivered at all. XXXX charge {$20.00} for nothings. My bank Axos keeps demanding to resolve the issue with the vendor but I am keep telling I couldn't find a way to contact the vendor. 
I am a.client of the bank for 13 years

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
MY CD is up for renewal on XX/XX/XXXX  - I called customer service to inquire about renewal and was quoted 5.3 % for a 9 month renewal. I agreed and asked to process that renewal. I decided to open another CD at that rate and called back XXXX minutes later - and was quoted a rate of 5.13 % - saying that the rates had dropped. I asked about the previous call and was told that I would not get the other initially quoted price - since they had a problem with their system not having been updated. The customer service calls are recorded and my version of this call can be verified. I believe that if a bank customer service representative gives me a rate that should be honored. Otherwise- they can process any percentage after I get off the phone without any accountability. I am asking that the XXXX renewal rate of 5.3 % for XXXX months be honored. 

I am still waiting for a supervisor. Banks need to be honest in their dealings with customers.

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 2024-01-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC
State: SC

Complaint narrative:
I've contacted the company a month after they've received my deferment and forgiveness applications ( 4 ) and they stated, " we don't have them in the system ( or have received them ) ''. Please see attached delivery receipt per USPS and applications. Finally, this is the 3rd time they have refused to process my applications since last XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 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: IL

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2024-01-30 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: IL

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2024-01-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
As a mortgagor sent the check for XXXX XXXX  monthly payment due via the United States Postal Service, two weeks before the payment due date. On the due date, we received communication from the mortgage loan servicer who told us payment had not been received. We immediately arranged to pay the monthly payment electronically which the loan servicer posted that same date. We also arranged and told the servicer that we would be placing a " Stop Payment Order '' on the check that was lost in the mail. The servicer despite our warning about the mailed check received it the day following the due date and attempted to deposit it. Naturally, our bank refused to honor the check. The loan service then imposed a {$50.00} dishonored check fee on us. We dispute the fee and any and all fees or charges related to this transaction. 

Refer to uploaded copy of the letter of XX/XX/2024 sent to the loan servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 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: MD

Complaint narrative:
XX/XX/XXXXXXXX  I asked XXXX who was reporting in accurate information to my credit report.! they told me XXXX XXXX XXXX! I had over 23 inaccurate information I had to dispute 15USC 1681B ( A ) you can not furnish a consumer report without written instructions from consumers whom it relates I have not given ( XXXX ) this right and privacy at 1974 The FCRA 616 ( b ) states : " Any person who procures a consumer report under false pretenses, or knowingly without a permissible purpose, is liable for {$1000.00} or actual damages ( whichever is greater ) to both the consumer and to the consumer reporting agency from which the report is procured not its harder for to get or apply for credit because of these violations on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: E-Backgroundchecks.com, Inc.
State: UT

Complaint narrative:
I sent an email to XXXX asking to execute my rights under the FCRA and Utah Privacy law to understand what data they have on me. Their process was to email me back from noreply@hireright.com asking me to submit photo copies of my license and passport as well as give them my entire SSN. I understand validating who I am by asking for information and maybe a bill or statement that shows my current address, but they want me to give them the most sensitive information on me in order to see if they have information on me? Their process is deceptive and unacceptable. This puts consumers at additional risk.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My Equifax credit report is reporting a closed account that is reporting as a charge off while still reporting continuous late payments, causing my Equifax report to be XXXX points lower than my XXXX score. This account has been closed for some time but still reporting late payments ( see attached ). This is illegal reporting and i want this account deleted : XXXX XXXXXXXX XXXX {$520.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I, XXXX XXXX XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.

Company response to consumer: Closed with non-monetary relief