vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-26 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: KS

Complaint narrative:
I just recently looked at my Experian credit report XX/XX/XXXX. I saw hard inquiries that did not have permissible purpose. I also attached evidence XXXX. XXXX XXXX XX/XX/XXXX : this inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 168b XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX : this inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 168b XXXX XXXX XXXX XXXXXX/XX/XXXX : this inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 168b XXXX. XXXXXXXX XXXX XXXX XX/XX/XXXX : this inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 168b 5. XXXX XXXX XX/XX/XXXX : this inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 168b XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : this inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 168b XXXX. XXXX XX/XX/XXXX : this inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 168b XXXX XXXX XXXX  XX/XX/XXXX : this inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 168b XXXX. XXXX XX/XX/XXXX : this inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 168b XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : this inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 168b XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX : this inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 168b

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 2024-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CHARLES SCHWAB CORPORATION, THE
State: FL

Complaint narrative:
I have a checking account with XXXX XXXX Bank. The account number XXXX. They have blocked my access to online banking and my debit card. I want to close the account and have a cashier 's check sent to my address on file. They insist I visit a branch but I suffer from XXXX  and have mobility issues. I opened the account online and never once visited a branch. I want my money sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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: CA

Complaint narrative:
To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ).

Please remove these unverified and incomplete items listed below : 1. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Update to Open/Never late 2. 15 U.S. CODE 1692e - False or misleading representations XXXX  XXXX Account Number : XXXX Update to Open/Never late 3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  Account Number : XXXX Delete from my credit report. 


4. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Delete from my credit report. 


5. 15 U.S. CODE 1692e - False or misleading representations XXXXXXXX XXXX Account Number : XXXX Update to Open/Never late 6. there is some inaccurate information reporting XXXX  Account Number : XXXX Please remove it from my credit report. 


7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it 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 2024-08-26 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: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-08-26 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: CA

Complaint narrative:
I found out that my brother was using my personal information to obtain credit cards and loans. i knew that i had to take care of this but i hesitated because i didnt want my brother to get in trouble. now i must take care of this regardless of the consequences

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 2024-08-26 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: CA

Complaint narrative:
I found out that my brother was using my personal information to obtain credit cards and loans. i knew that i had to take care of this but i hesitated because i didnt want my brother to get in trouble. now i must take care of this regardless of the consequences

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 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: Nelnet, Inc.
State: GA

Complaint narrative:
On, XX/XX/XXXX I filed an online credit dispute with XXXX. The status of the dispute was in review on XX/XX/XXXX. The investigation was completed on XX/XX/XXXX. The completion of the dispute exceeds the XXXX  day time limit thus the items should be removed from my credit report. On XX/XX/XXXX, I send another request to XXXX requesting the remove of the credit item based on the failure to complete an investigation in XXXX  days and that this a violation of the FCRA. They received my request on XX/XX/XXXX and on XX/XX/XXXX I received a letter and copy of my credit report showing there has been no changes. I am seeking assistance with this matter and any/all legal recourse against the reporting agency and creditor. 

XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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: GA

Complaint narrative:
On, XX/XX/XXXX I filed an online credit dispute with Transunion. The status of the dispute was in review on XX/XX/XXXX. The investigation was completed on XX/XX/XXXX. The completion of the dispute exceeds the 30 day time limit thus the items should be removed from my credit report. On XX/XX/XXXX, I send another request to TransUnion requesting the remove of the credit item based on the failure to complete an investigation in 30 days and that this a violation of the FCRA. They received my request on XX/XX/XXXX and on XX/XX/XXXX I received a letter and copy of my credit report showing there has been no changes. I am seeking assistance with this matter and any/all legal recourse against the reporting agency and creditor. 

Fille Number XXXX Credit Reporting Agency : TransUnion Creditor : Dept of EDXXXX

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 2024-08-26 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: NV

Complaint narrative:
I have sent a dispute letter to Experian XX/XX/year> and didn't receive any response. I am deeply concerned about the numerous inconsistencies found on my credit report. I've noticed a few inconsistencies that need to be fixed right away. 

Below is a detailed description of the particular errors in question : Under Personal Information : My Name is reporting wrong. Correct as soon as you get this. Date of birth is not the same for the other bureaus. Correct all errors. Current address is reporting wrong. Correct all errors. Previous address is reporting wrong. Please do your investigation. The Employee information is wrong. The FTC says that you have to investigate. Im asking you to do that. I have provided my social security number and proof of address to further fix this issue. My name is XXXX XXXX XXXX. 
My address is XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX NV XXXX Under Accounts : XXXX XXXXXXXX XXXX : XXXX, Reported account does not match the reported accounts from the other bureaus. Remove the damaging accounts from my credit report. 
XXXX XXXX XXXX : XXXX, The information on my report was either inaccurate or could not be re-verified. Requesting that the error should be deleted and send an accurate report. 
XXXX : XXXX, Fair Credit Reporting Act says you must investigate inaccurate information and this account is inaccurate. Please delete the error on my report promptly. 
XXXXXXXX XXXX  XXXX : XXXX, It appears that this account has issues that needs to be fixed. Respectfully request to provide me with competent evidence that you are reporting this account correctly. If not delete it. 
XXXX XXXX : XXXX, Im demanding a deep investigation into this account due to its inaccuracies. The item must be DELETED 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 2024-08-26 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: NY

Complaint narrative:
I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENTITY THEFT.

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 2024-08-26 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: NY

Complaint narrative:
I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENTITY THEFT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 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: LA

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXXXXXX XXXX # XXXX -BALANCE- {$1100.00} DATE OPENED- XX/XX/year> Account Name : XXXX XXXX XXXX XXXX XXXX -BALANCE- {$770.00} DATE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am writing to formally request the removal of certain late payments from my credit report, based on provisions outlined in 15 U.S.C. 1666c of the Credit Card Accountability Responsibility and Disclosure Act of 2009 ( CARD Act ).

According to this section, a creditor can not consider a payment as late unless the information required by 15 U.S.C. 1637 ( b ) was mailed to the consumer not later than 21 days before the due date. I believe that my creditor failed to comply with this requirement, which should invalidate the reported late payments. 

In accordance with this, I request that you investigate this matter and remove any late payments from my credit report that were recorded in violation of this regulation. 

Enclosed, you will find the relevant documentation that supports my claim. I would appreciate it if you could review this information and update my credit report accordingly. Please confirm receipt of this request and provide an update on the status of my dispute. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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: NY

Complaint narrative:
I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENTITY THEFT.

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 2024-08-26 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I discovered fraudulent accounts on my credit report that are affecting my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 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: NJ

Complaint narrative:
I've had a PayPal account since XXXX of 2022. I have always used this account strictly for online gambling. It is legal in my state ( New Jersey ). I keep a detailed log of my transactions- and PayPal was an advised payment and withdrawal method at virtually every single casino I played at. 

It was to my surprise when I woke up to an e-mail last week from PayPal stating my account was limited. I have not committed any act against their terms- they provided no specific reason for the limitation and will not restore the account or let me use their services. 

I feel as though this is an unfair action by PayPal. The casinos do not offer many methods to deposit, and PayPal is to most consistent for making deposits. I have no idea why they would offer their service on sites if they planned to ban or restrict your account for using it. There was no illegal transactions or restricted transactions on the account. This really complicates my online play at these online casinos - to no fault of my own. I am very upset about this result - and I figured the next best step was to report to the CFPB. This is all very baffling and impacts my hobbies and some extra income. 

Please help me restore my account as I did not break any terms or laws at both PayPal and at the state level.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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: WA

Complaint narrative:
After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-08-26 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: WA

Complaint narrative:
After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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