vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-22 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: FL

Complaint narrative:
I am writing to request a reinvestigation of the information contained in my credit report, in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. Upon reviewing my credit report, I identified two accounts that may be inaccurately reported. 

Below are the account details I am requesting to be reinvestigated : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX I kindly request that you thoroughly reinvestigate the completeness and accuracy of all information associated with these accounts. If any inaccuracies are discovered, I ask that the incorrect information be removed from my credit report. In accordance with 15 U.S. Code 1681i, if you are unable to verify the accuracy of the information within XXXX days, I respectfully request that the accounts be deleted from my credit report. 

Additionally, under 15 U.S. Code 1681e ( b ), I request that you review your procedures to ensure they guarantee maximum possible accuracy in reporting these accounts. 

Thank you for your attention to this matter. I look forward to receiving confirmation that this issue has been resolved.

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 2024-11-22 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: FL

Complaint narrative:
I am writing to request a reinvestigation of the information contained in my credit report, in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. Upon reviewing my credit report, I identified two accounts that may be inaccurately reported.

Below are the account details I am requesting to be reinvestigated : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX I kindly request that you thoroughly reinvestigate the completeness and accuracy of all information associated with these accounts. If any inaccuracies are discovered, I ask that the incorrect information be removed from my credit report. In accordance with 15 U.S. Code 1681i, if you are unable to verify the accuracy of the information within 30 days, I respectfully request that the accounts be deleted from my credit report.

Additionally, under 15 U.S. Code 1681e ( b ), I request that you review your procedures to ensure they guarantee maximum possible accuracy in reporting these accounts. 

Thank you for your attention to this matter. I look forward to receiving confirmation that this issue has been resolved.

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 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-11-22 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: SC

Complaint narrative:
I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights

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 2024-11-22 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: NV

Complaint narrative:
I am submitting a formal complaint against EXPERIAN due to their ongoing reporting of inaccurate information on my credit report. Despite multiple disputes concerning an auto loan account ( Account Number : XXXX ), they have failed to correct or remove the inaccuracies. This incorrect reporting is having a significant negative impact on my credit score and is providing misleading information to potential lenders, harming my financial opportunities. I have contacted both the company and EXPERIAN multiple times about these errors, yet no resolution has been provided. This ongoing issue is unacceptable and continues to cause financial harm.

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 2024-11-22 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 HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-11-22 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: CA

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 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am appalled by the inaccurate accounts on my credit report that clearly belong to someone else. This mix-up has severely impacted my score and finances, and I have repeatedly reported this issue, only to be ignored.

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 2024-11-22 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: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I made monthly payments on my XXXX plus card by Barclays Bank and paid in full, they went ahead and closed my account with out even notifying me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: WA

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this 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 explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: TX

Complaint narrative:
On XX/XX/year> I received notification from Mohela student loan servicer that my student loan had been paid by discharge and the balance is now {$0.00}. I then disputed this account on all the credit bureaus to have it updated to status paid/closed/balance {$0.00}. XXXX correctly updated my report with status : " CLOSED OR PAID ACCOUNT/ZERO BALANCE. '' XXXX shows the account still open w/ payment deferred status and balance {$0.00}. XXXX has denied XXXX disputes informing me the current information is accurate with minor updates to payment history. It still shows the account as open with the full balance of {$100000.00}. I provided correspondence from Mohela and XXXX XXXX XXXX showing eligibility of discharge and notice of discharge with zeroed balance. Either Mohela is providing the incorrect information to 2 of the 3 CRAs upon request in the course of their investigations, or those two agencies are not investigating my disputes and resolving them appropriately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: AZ

Complaint narrative:
Subject : Dispute of Incorrect Address Information on My Credit Report To Whom It May Concern, I am writing to formally dispute the presence of incorrect addresses listed on my credit report. These addresses are not mine, and I am requesting their immediate investigation and removal to ensure the accuracy of my personal information, as required under the Fair Credit Reporting Act ( FCRA ). 

The following addresses appearing on my credit report are incorrect : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX My actual and current address is : [ Your Correct Address, e.g., XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ] Maintaining incorrect address information on my credit report can lead to confusion, misattributed accounts, and potential violations of my rights under FCRA 1681e ( b ), which mandates credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of consumer reports. 

I request the following actions : Immediate Investigation : Review the incorrect address information and confirm that these addresses do not belong to me. 

Correction or Removal : Remove all inaccurate addresses from my credit report. 

Written Confirmation : Provide me with written confirmation of the changes made and an updated copy of my credit report reflecting the accurate information. 

Please complete your investigation and respond within the 30 days required by the FCRA. Ensuring the accuracy of my credit report is essential, and I appreciate your prompt attention to this matter. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
I have ALREADY FILED A PREVIOUS COMPLAINT WITH YOU ALL & YOU JUST BELIEVED WHAT THOSE PEOPLE SAID WITHOUT PROVIDING PROOF! I HAVE PROOF! MESSAGES FROM THEIR OWN EMPLOYEES STATING HOW THEY DONT HANDLE THINGS PROPERLY! THESE PPL HAVE REPORTED INACCURATE INFORMATION TO THE CREDIT BUREAUS & COMMON SENSE SHOWS & TELL THEY'RE LYING ESPECIALLY WHEN THE BALANCE THAT SHOWING ON MY ACCOUNT, FROM WHAT ONE OF THEIR REPS STATED IS TOTALLY DIFFERENT & TWICE THE AMOUNT THAT's BEING REPORTED TO THE CREDIT BUREAU & IT WAS DIFFERENT THE DAY THEY UPDATED BUT YET STILL LIED!! ITS SAD THAT YOU PEOPLE DONT CARE ABOUT WHAT BUSINESSES DO & GO ALONG WITH THEM SCAMMING BEING FRAUDS TELLING LIES & NOT RUNNING A BANK OR CREDIT CARD COMPANY CORRECTLY & FAIRLY!! THEY ADD GHOST INTEREST THAT US CONSUMERS ARE NOT AWARE OF & THEIR REPRESENTATIVES SAID IT!! SHAME ON YOU CFPB! WHAT IS YOUR PURPOSE IF YOU'RE NOT DOING YOUR JOB CORRECTLY EITHER??? ITS ILLEGAL FOR COMPANIES TO REPORT INACCURATE INFO AS WELL AS ANYTHING THATS UNDER DISPUTE YET YOU ALLOW ANYTHING! THEY DONT EVEN PROVIDE YOU WITH DOCUMENTATION TO BACK UP THEIR LIES

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: WA

Complaint narrative:
The existence of these unauthorized accounts and inquiries has caused me significant XXXX  regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXX XXXX  - XXXX - {$21000.00} ( XXXX & XXXX ) XXXX XXXX XXXX - {$0.00} ( XXXX ) XXXX XXXX XXXX XXXX - {$6100.00} ( XXXX & XXXX ) XXXX XXXX  XXXX - XXXX - {$10000.00} ( XXXX ) XXXX  - XXXX - {$750.00} ( XXXX ) XXXX XXXX  - XXXX - {$21000.00} ( XXXX ) XXXX XXXX  XXXX - XXXX - {$10000.00} ( XXXX  ) Previous Address ( es ) : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, WA XXXX Previous Address ( es ) : XXXX XXXX XXXX  XXXX XXXX XXXX, WA XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: NJ

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 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: GA

Complaint narrative:
My name is XXXX XXXX, and I am writing to exercise my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). My right to privacy, as outlined in 15 U.S.C. 1681 ( a ) ( 4 ), has been violated multiple times, and I want to clarify that I have never provided written authorization for the disclosure of certain transactions, as required by 15 U.S.C. 1681b ( 2 ). Additionally, my personal information, including my credit card and Social Security number, has been used without my explicit written consent, which violates 15 U.S.C. 1602. According to 15 U.S.C. 1681s, it is your responsibility to take immediate action to correct these errors. Equifax, XXXX, and XXXX have also failed to ensure the accuracy of the data on my credit report, as required by 15 U.S.C. 1681i ( b ).

In line with 15 U.S.C. 1681c-2 ( e ), Im requesting that these inaccurate accounts be removed from my credit report within 4 days of filing my identity theft report, instead of the usual 30-day period. Id also like to stress that the unauthorized use of my credit card, as defined by 15 U.S.C. 1602, has provided no benefit to me as a consumer, as outlined in 15 U.S.C. 1681s.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: GA

Complaint narrative:
My name is XXXX XXXX, and I am writing to exercise my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). My right to privacy, as outlined in 15 U.S.C. 1681 ( a ) ( 4 ), has been violated multiple times, and I want to clarify that I have never provided written authorization for the disclosure of certain transactions, as required by 15 U.S.C. 1681b ( 2 ). Additionally, my personal information, including my credit card and Social Security number, has been used without my explicit written consent, which violates 15 U.S.C. 1602. According to 15 U.S.C. 1681s, it is your responsibility to take immediate action to correct these errors. XXXX, XXXX, and Experian have also failed to ensure the accuracy of the data on my credit report, as required by 15 U.S.C. 1681i ( b ).

In line with 15 U.S.C. 1681c-2 ( e ), Im requesting that these inaccurate accounts be removed from my credit report within 4 days of filing my identity theft report, instead of the usual 30-day period. Id also like to stress that the unauthorized use of my credit card, as defined by 15 U.S.C. 1602, has provided no benefit to me as a consumer, as outlined in 15 U.S.C. 1681s.

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 2024-11-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
In XXXX of this year my email XXXX was hacked and I started experiencing various different fraud events and identity theft. Part of that included PayPal. My PayPal account was fraudulently accessed in XXXX and there were multiple transactions of money being sent from this account as crypto and I did not complete these transactions. I was informed by an agent at PayPal agent who said that these transfers were sent BEFORE my bank authorized the complete transfer. There were attempts of transfers out of my credit union account but my credit union stopped them and ensured no funds left my account. PayPal sent the funds anyway and are now trying to collect the amount of {$120.00}. When these hackers took control of my email, I was not able to access it. So while this activity was being sent in emails to my email address, I did not see it until the beginning of XXXX and as soon as I found out, I called in and reported to PayPal [ CASE ID # : REF-XXXX ]. When I called back today for an update on this investigation, I was told that I am being held responsible despite not having anything to do with the events. PayPal has refused to do a thorough investigation and is now refusing to assist me with this event. I had nothing to do with these events or the negative balance and I am requesting a thorough investigation into this matter, to find that I am not responsible for this event/debt. 
I did not have control of my email account ( XXXX ) from XX/XX/year> until XX/XX/year>, which was used for the PayPal account. This is the email account used as the basis of the Identity Theft that I experienced.

Company response to consumer: Closed with monetary relief