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

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA 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 Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
EXPERIAN DATE OF FIRST DELINQUENCY ( DOFD ) for the following account : Account Name : Child Support Nebraska Account Number : XXXX This letter serves as formal notice of my intent to sue for willful non-compliance and gross negligence under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( a ) ( 5 ), which mandates the accurate reporting of the Date of First Delinquency ( DOFD ). Your failure to report the DOFD on my credit report, regardless of whether the account is paid or not, constitutes a blatant violation of federal law.

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 2024-11-11 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:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XXXX XXXX, XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX 2023

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 2024-11-11 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: Exeter Finance, LLC.
State: KY

Complaint narrative:
This creditor EXETER FIN has violated my rights under 15 US 1681 section 602 states I have the right to privacy 15 USC 1681 section 6048 section 2 it also states a consumer reporting agency can not furnish account without my written instructions under 15 USC 1666B credit may not treat a payment on a credit card account under an open and consumer credit plan for any purpose.

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

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AL

Complaint narrative:
Below is the initial complaint, since then the company has sent a complete payment history which proves that the amount left on the loan is what I paid. This loan should have never been charged off and reflecting on my credit worthiness. 

I obtained a vehicle loan for a new car through XXXX XXXX XXXX on XX/XX/XXXX. The loan was paid in full on XX/XX/XXXX with XXXX balance. I pull my credit report XX/XX/XXXX and discover that XXXX XXXX has reported my account as a charge off starting in XX/XX/XXXX in the amount of {$1000.00}, XXXX  months after I made the final payment and had a XXXX balance. I have reached out the XXXX XXXX  as well as XXXX numerous times ( dates listed below ) without response from XXXX XXXX as well as this remaining on my XXXX credit report still reporting as " charge off '' until XX/XX/XXXX which starts it listed as " NR '' meaning not reported. This is currently still showing " Charge off '' on my credit report from XX/XX/XXXX - XX/XX/XXXX in the amount of {$1000.00}, XX/XX/XXXX shows not reported however the damage to my credit profile is there and lingering. This loan was complete and paid to a balance of {$0.00} in XXXX and should not be reporting Negatively on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I received a call from Chase Bank about a personal loan that had already been paid off with another lender asking me what the loan was for. 
The purpose was to reduce my lines of credit with Chase because I banked with a bank outside the major banks. 
Now they have placed me on a list that has my limits reduced at regular intervals with absolutely no derogatory reporting hindering my recent business start-up and pushing my credit usage higher to the available without changing the amount of usage. 

Yet Chase bank continues to send me advertisements wanting me to bank with them then denying the requested credit. 
This has also leached over into the other major banks as they all share information without authorization from the individual who has given explicit direction to not share information.

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

Complaint narrative:
On XX/XX/XXXX, I was attempting to purchase some tires from XXXX. For some reason they kept cancelling my order. After five attempts to purchase the tires and being cancelled, I contacted their corporate office because I didnt understand why this was happening. Finally on the sixth attempt, I did purchase the tires and paid for them with my pay pal account. As I always do, I paid my bill when it was due, but Pay Pal is claiming I still owe XXXX of these cancelled transactions and I do not. I never made a purchase for XXXX and as you can see from the attached, it appears that part of the refund from XXXX excluded {$170.00}. After many calls to Pay Pal and being told that my claim to dispute the charge was denied, I called XXXX at XXXX and was told all refunds went back to Pay Pal. After researching transactions and payments for this issues, I noted that a transaction of XXXX was missing from the refund from XXXX on XX/XX/XXXX. This refund was for a transaction of XXXX on XX/XX/XXXX, and for some reason on my Pay Pal account it is showing the refund was made in 4 different payments. The initial refund was for XXXX instead of the XXXX, then it appears to correct the transaction XXXX different payments of XXXX was applied to my account on XX/XX/XXXX, that leaves a balance XXXX which they are trying to say I owe. What I do know is that the only transaction that went through was the one on XX/XX/XXXX for XXXX which was paid XXXX on XX/XX/XXXX and the balance in full on XX/XX/XXXX along with a small charge of XXXX for a XXXX bill for a total of XXXX. I also went through all of my transactions and payments as of XX/XX/XXXX and there is nothing owed by me as I always pay my bills as due. I received a statement claiming that Pay Pal gave me a credit of XXXX on XX/XX/XXXX. If this is indeed correct, there should not be any balance on my account as that should have accounted for the XXXX payment missing. I have called Pay Pal so many time and there is a different and misleading story each time. I was even told once it was resolved and then received a letter that it was denied. I could not understand what was denied as this was not a charge that I owed. Please note that prior to this purchase, I did not owe anything to Pay Pal thats why I wanted to put the tires on this account. 
They claim they gave me the credit for XXXX, but if indeed the credit was given, where is this XXXX derived from that they claim that I owe. As requested by pay pal credit, I wrote the Corporat office on XX/XX/XXXX sending the letter by certified mail and did not get a response or acknowledgement of my concern. I have now learned that they have placed this in the credit bureau and has ruined my exceptional credit rating that we have had for years. Please advise what I should do thank you in advance, XXXX XXXX. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 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: IN

Complaint narrative:
the accounts should be deleted from my account because Under 15 U.S. code 1692 ( g ) and 15 U.S. Code 1692 According to 15 US CODE 1602 ( P ) the following accounts are in violation and need to be deleted Under 15 U.S. Code 1602p, an unauthorized inquiry is a violation of the Fair Credit Reporting Act ( FCRA ). The FCRA stipulates that consumers are entitled to compensation for each unauthorized inquiry on their 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 explanation
Consumer complaint received 2024-11-11 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$5000.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$5800.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$3900.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$18000.00} XX/XX/XXXX XXXX XXXX {$330.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX INQUIRIES NOT RECOGNIZED 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 TransUnion, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 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 ) ( 1 ) A person shall not furnish any information relating to a 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 non-monetary relief
Consumer complaint received 2024-11-11 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: EQUIFAX, INC.
State: CA

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

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

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am submitting this document along with a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which qualifies under XXXX  according to the XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted. Please delete the following accounts from my credit report with TransUnion : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Balance : ** {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Account NumberXXXX Balance : {$6500.00} XXXX XXXX XXXX ( Rental ) Account Number : ** XXXX Balance : ** {$4900.00} XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Balance : ** {$26000.00} XXXX XXXX XXXX Account Number : XXXX Balance : ** {$2200.00} Thank you for your assistance 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 non-monetary relief
Consumer complaint received 2024-11-11 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: TN

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 non-monetary relief
Consumer complaint received 2024-11-11 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: TN

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 response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
I noticed 2 charges on my Apple Card for XXXX  and immediately called customer service to make them aware that I did not make these charges and wanted to dispute them. A dispute was opened, I was told to reset my Apple ID and password which I did, and the charges temporarily removed from my card. after 2 months the charges were reapplied and I called back to inquire why there were additional charges. I was advised to dispute again, so I did. Once again, the charges reappeared after 2 months. I called again, and asked why these charges keep coming back and was told I needed to reset my Apple ID and password again. This same scenerio has happened numerous times so I finally paid off the card and closed it as this was extremely frustrating. Again, 2 months later I receive a bill showing I owe for the original 2 charges that I did not make and that have been disputed numerous times already. Again, I was told I can dispute the charges and I will need to reset my Apple ID and password. I refused to continue to reset my password again and asked to speak with someone in the dispute department who can shed some light on why these fraudulent charges continue to return every 2 months. I was told there is no such department and no one to speak with the disputes are all automated and for some reason the system must not like the information supplied with the dispute filing. I then asked to be supplied with the response from the merchant as a result of my dispute and was told the merchant did not respond or supply the validity of the original charges. No one can explain why the automated dispute system ( if that's even true ) continues to take these charges away and then put them back every 60 day even though I have paid out my account, closed my account, changed my Apple ID and password numerous times. I have been dealing with this and trying to get it resolved with customer service for over 1 year now with zero success.

Company response to consumer: Closed with explanation