vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-03 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: MD

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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: OH

Complaint narrative:
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 has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> 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 general, 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 2024-09-03 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: NY

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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: MO

Complaint narrative:
Dear PayPal Support Team, I am reaching out to appeal the permanent limitation imposed on my PayPal account associated with the email address XXXX I believe this action may have been taken in error, as I have consistently adhered to PayPals policies and have not engaged in any prohibited activities.

As a dedicated user of PayPal, maintaining a positive and reliable relationship with your service is very important to me. I am committed to addressing any concerns that may have led to this situation and am eager to resolve any misunderstandings. 

I kindly request a detailed review of my case, with a careful examination of the circumstances that led to the account limitation. I am confident that a thorough review will uncover any errors or misunderstandings. I am willing to provide any necessary documentation or additional information to support my appeal. Reinstating my PayPal account would greatly alleviate my current financial difficulties and allow me to continue using PayPal for my transactions. 

Thank you for your attention to this matter. I hope for a swift resolution and the opportunity to restore my access to PayPals services. Please let me know if you need any further details or documents from me. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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: NY

Complaint narrative:
Applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them, resulting in my credit report being pulled up by these companies and hurting my credit score. I have contacted the bureau and a representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX  Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX  Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : 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 2024-09-03 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:
On XX/XX/year>, I mailed a dispute letter to TransUnion requesting an investigation into inaccurate items on my credit report. I also disputed incorrect personal information listed on my report and included a copy of my photo ID, social security card, and proof of address to help TransUnion verify my identity and address. 
I received a response from TransUnion dated XX/XX/year>, stating : " We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. '' Please be advised, this is now the third time I have received the same exact response from TransUnion. This is extremely frustrating and concerning, as it appears TransUnion refuses to accept my dispute letters without providing any actual explanation as to why they believe I am not the one submitting my own dispute. 
According to the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. It seems that TransUnion has violated my consumer rights by failing to conduct a reasonable investigation upon receipt of my dispute, as they are required to do under the FCRA. 
I am including a copy of my dispute letter sent to TransUnion, along with their response, as proof.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
My account with TRANSUNION was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-03 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: FL

Complaint narrative:
Following 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 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an 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 ) ( a ) 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. 

Please delete the accounts listed below : - Creditor name : XXXX XXXX XXXX. Date of inquiry : XX/XX/year>. 
- Creditor name : XXXX XXXX XXXX. Date of inquiry : XX/XX/year>. 
- Creditor name : XXXX XXXX. Date of inquiry : XX/XX/year>. 
- Creditor name : XXXX XXXX. Date of inquiry : XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I am not sure what is going on but my XXXX XXXX dropped XXXX points due to XXXX account being closed, XXXX XXXX. My score went from XXXX to XXXX due to this change. This is unethical and problematic for me due to not closing the account and XXXX account close should not drastically affect my XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-03 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: NC

Complaint narrative:
On XX/XX/2024, a mass data breach and my social security number was impacted along with XXXX XXXX XXXX XXXX and victims. I am invoking XXXX XXXX XXXX for my social security number being stolen and hacked for unusual purposes that prevented me from getting a home loan on XX/XX/2024. Ive been trying to get paperwork from the companies below to state my innocence but to no avail. Listed below are the private information exposed and used against me. Hence me invoking my right on XXXX XXXX XXXX. 

Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX 
Original Creditor Name XXXX XXXX  XXXX XXXX XX/XX/2024 Amount : {$97.00} Collection Agency XXXX XXXX XXXX Original Creditor Name XXXX XX/XX/2024 Amount : {$230.00} XXXX Department of Education XXXX XXXX XXXX : XX/XX/2024 Amount : {$32000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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: MO

Complaint narrative:
My account with EXPERIAN was never late! I have had exceptional payment history with XX/XX/XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: GA

Complaint narrative:
XXXX has failed to provide a refund to the treasury department in relations to my borrowers defense application. I submitted a complaint back in XX/XX/XXXX on here in which they stated they were in the process of calculating the refund and will be sending it to treasury. I have spoke to them numerous times over the summer and they continue to tell me that they were calculating the refund and will send it to treasury. I even talked to them last week about this in which they stated the same. Now this week they are saying Im not due a refund because ( 1 ) they have not received anything about refund from borrowers defense and ( 2 ) I received a small refund under XXXX XXXX XXXX XXXX and my loans were forgiven. 

In the first instance, they have received information from Borrowers defense because I called Borrowers defense and they stated they sent information over. That information stated I am part of the full class, which means I am due refund on all payments made on those loans. 

In the second instance, I receive a small refund for the overpayments made on the PSLS and my loans were forgiven. I did not receive a full refund all my payments. 

Mohela supposed to reclassify the loans under borrowers defense which we discussed back in XX/XX/XXXX. Currently in student aid.gov it has been reclassified under borrowers defense. 
It is XXXX responsibility to calculate the refund and issue the information over to treasurer department. Borrow defense does not calculate the refund. They simply sent them the information showing I qualify for borrowed defense full class. 

They have now missed two deadlines to issued information for the refund. XX/XX/XXXX the original XXXX XXXX deadline for full class and now XX/XX/XXXX for complex consolidation loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-03 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: NY

Complaint narrative:
Two accounts ( x1 and mission lane ) are reporting late 3 late payments each. That information is incorrect/ inaccurate. All payments were made on time.

Furthermore, section 15 of the USC states that a person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate. 

I have sent them multiple notifications to remove said inaccuracies and verify said account. The account has not been removed from the report. 

These inaccuracies are stopping me from getting loans for houses and cars furthermore. 15 USC 1681 section 6028 states that I have the right to privacy.

15 USC 1681 604 section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. I have not given anyone written instructions to furnish anything on my consumer report any my right to privacy is being interfered with.

Company response to consumer: Closed with non-monetary relief