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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
MY NAME IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have looked at my credit report and I have noticed fraudulent credit card ACCOUNT NAME XXXX XXXX ACCOUNT # : XXXX i ask for the companies involved to do a PROPER INVESTIGATION AND DELETE THIS ACCOUNT PLEASE THANK YOU. 
THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE/ACCOUNT STATUS/ BALANCE / PAYMENT HISTORY LAST DATE REPORTED IS INACCURATE AND ACCOUNT NUMBER IS INCOMPLETE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL. I filed an IDENTITY THEFT CLAIM I WILL ATTACH THANK YOU 15 USC 1681 E ( B ) & 15 USC 1681 1 ( XXXX ) DELETE THIS FRAUD ACCOUNT THANK YOU

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 is missing that should be on the report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the XXXX section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report 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. 15 U.S. Code 1681i ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of 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. ''

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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 ( XXXX ) 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 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.

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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is a formal complaint for a reinvestigation of the following late payment on the Account ( -XXXX XXXX is reporting inaccurate information.On XX/XX/year> a payment was made and you have it marked as late / No payment.On XX/XX/year> and XX/XX/year> the final additional payment was made before closing that was also not reported.please reinvestigate and verify all data.I also request for proof to be provided. Because im trying to purchase a home and the late inaccurate delinquency is Only being displayed on my experian when cross checked on three bureas ..I determine that if unable to do so or lacking proof being late please update my payment history to PAANL Status ( paid as agreed never late ) and supply a corrected credit file to any creditors that obtained my file in the last 6 months. I've been a loyal customer and your inaccuracy is hurting my credit

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: NV

Complaint narrative:
I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my XXXX XXXX and financial reputation.

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: MI

Complaint narrative:
XXXX, TransUnion and XXXX are all reporting delinquencies with my 19 XXXX loans. I entered into the Fresh start program in XX/XX/XXXX, which is why all my XXXX loans have reported as paid since XX/XX/XXXX. However, the credit bureaus have refused to remove the prior defaults or delinquencies reporting from XXXX through XXXX. 

As a result I have been turned down for credit from every creditor who has pulled my report from XXXX, TransUnion and XXXX more than a dozen times over the past 2 years. Each denial claimed I had too many delinquencies. What is more interesting is that TransUnion and XXXX have provided me copies of my credit reports which do NOT show any delinquencies. However when I contacted the Creditors they informed my I had numerous delinquencies all from my XXXX loans. I have attached a recent letter from the Department of Education which states the following : Anyone who has entered or does enter the Fresh Start program by XX/XX/XXXX will have the following : * " We will report your loans back in good standing '' * " We will REMOVE the record of default from your credit report '' etc... 
I am requesting XXXX, XXXX and Transition to remove all the delinquencies with each XXXX loan and send me an updated copy of 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 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX, XXXX and Equifax are all reporting delinquencies with my XXXXXXXX XXXX  loans. I entered into the Fresh start program in XX/XX/XXXX, which is why all my XXXX loans have reported as paid since XX/XX/XXXX. However, the credit bureaus have refused to remove the prior defaults or delinquencies reporting from XXXX through XXXX. 

As a result I have been turned down for credit from every creditor who has pulled my report from XXXX, XXXX and Equifax more than a dozen times over the past 2 years. Each denial claimed I had too many delinquencies. What is more interesting is that XXXX and Equifax have provided me copies of my credit reports which do NOT show any delinquencies. However when I contacted the Creditors they informed my I had numerous delinquencies all from my XXXX loans. I have attached a recent letter from the Department of Education which states the following : Anyone who has entered or does enter the Fresh Start program by XX/XX/XXXX will have the following : * " We will report your loans back in good standing '' * " We will REMOVE the record of default from your credit report '' etc... 
I am requesting XXXX, Equifax and XXXX to remove all the delinquencies with each XXXX loan and send me an updated copy of my credit report.

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: MI

Complaint narrative:
Experian, XXXX and XXXX are all reporting delinquencies with my XXXX XXXX  loans. I entered into the Fresh start program in XX/XX/XXXX, which is why all my XXXX loans have reported as paid since XX/XX/XXXX. However, the credit bureaus have refused to remove the prior defaults or delinquencies reporting from XXXX through XXXX. 

As a result I have been turned down for credit from every creditor who has pulled my report from Experian, XXXX and XXXX more than a dozen times over the past 2 years. Each denial claimed I had too many delinquencies. What is more interesting is that XXXX and XXXX have provided me copies of my credit reports which do NOT show any delinquencies. However when I contacted the Creditors they informed my I had numerous delinquencies all from my XXXX loans. I have attached a recent letter from the Department of Education which states the following : Anyone who has entered or does enter the Fresh Start program by XX/XX/XXXX will have the following : * " We will report your loans back in good standing '' * " We will REMOVE the record of default from your credit report '' etc... 
I am requesting Experian, XXXX and XXXX to remove all the delinquencies with each XXXX  loan and send me an updated copy of 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 2024-09-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the practices of PayPal and XXXXXXXX XXXX specifically concerning the extended hold on available credit despite timely payments. 

Despite my consistent and impeccable payment record, PayPal routinely places a hold on payments made to my PayPal credit card for up to XXXX days. This occurs almost every time I pay off the card before the end of the month, leading to thousands of dollars being withheld from my available credit for an extended period. This situation is particularly frustrating because the money is withdrawn from my XXXX XXXX account on the same day I make the payment, yet my available credit is not restored promptly. 

Attempting to resolve this issue has been a nightmare. Contacting PayPal involves navigating through an extremely frustrating voice menu, followed by interactions with an XXXX XXXX that fails to address the issue adequately. After a prolonged effort to reach a human representative, I was finally told that this delay should not be happening. However, instead of resolving the problem, the PayPal representative passed the responsibility to XXXXXXXX XXXX, which services the card. 

The experience with XXXXXXXX XXXX was equally frustrating. I was transferred to their phone line, only to face another convoluted voice menu. When I finally reached a representative, I was informed, with an air of indifference, that the up to XXXX days posting time is buried in the fine print of the terms and conditions. 

I believe these practices are unfair and detrimental to consumers. I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that consumers are treated fairly and that these delays are addressed.

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: EQUIFAX, INC.
State: GA

Complaint narrative:
dear equifax, I am a victim of the equifax data breach and I have inaccurate and fraudulent account remaining on my credit report. Please delete these inaccurate accounts from my consumer report immediately!

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: TX

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION XXXX SECTION XXXX. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
I, XXXX XXXX XXXX, of XXXX, in XXXX XXXX, Georgia, MAKE OATH AND SAY THAT : I am a victim of identity theft fraud and have been since 2019. This has had a profound impact on my life. I have had numerous accounts added to my name for debts that I did not create. The suspect used various names and addresses that are not tied to my name, and this information needs to be removed because I am a victim of identity theft fraud. Please do not open any accounts without contacting me first at ( XXXX ) XXXX. The suspect has used fraudulent addresses for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX IL XXXX, XXXX XXXX XXXX XXXX XXXX IL XXXX. None of these fraudulent names or addresses belong to me. My address is XXXX XXXX XXXX XXXX XXXX, GA XXXX. 
I have filed police reports stating this address is fraudulent. The person was able to fraudulently obtain fraudulent accounts from XXXX XXXX, CAINE WEINER XXXX XXXX XXXX XXXX. I never authorize anyone to use my information fraudulently to obtain these accounts. I have been a victim of fraud since 2019 and someone has opened numerous accounts that does not belong to me.

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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
XXXX XXXX # XXXX I placed an order on XX/XX/XXXX through XXXX  I attempted to chat to confirm the fittings & was assured theyd fit my tumblers. The site had multiple errors while I was trying to order but I was assured my satisfaction was guaranteed. I even screenshot this from their website. I ordered on XX/XX/XXXX. I received the order XX/XX/XXXX. I contacted the company within 10 minutes of opening the box. I was excited to get my order but quickly disappointed. They were not even close to a proper fit. 

I requested an exchange & was told they do not do exchanges. They said returns are subject to shipping. I did not have an issue with that. Then I was told they will charge restocking fees & also do not accept returns if the package is open. Well I had to open it to see it was not the correct order. If I could determine a proper fit by looking at an item, I wouldnt have ended up with the wrong items to begin with. I trusted their site & their guarantee to be factual. It was not. It is very fraudulent & deceptive. I still have the items in their original box. I have never used them as they are NOT what I was promised. 

I contacted affirm since it was their digital card I used to purchase them. At first they insisted I did not send them the info. I had to send it again, twice. Then they failed to investigate the fact that I did NOT receive what I was promised. I was assured these caps would fit my tumblers. They were wrong. All I asked was to exchange for caps that will fit. They refused. So I asked to return them. I submitted the dispute twice with affirm. They failed to listen to the fact that I did NOT receive what I ordered. Since affirm decided to ignore my dispute, I stopped responding to them. I am not paying for a product that was purchased under deceptive advertising. 

I have used affirm for years and never had an issue. I have other loans with them that are nearly paid off. Unfortunately they now call me 20 times a day. Send emails & texts. They were also sending nonstop pings through the app so I deleted that. I will gladly finish paying those off as soon as they do the right thing & stop harassing me for payments for merchandise I did not receive as advertised. They are harassing me for a loan that is fraudulent due to deceptive advertising by the manufacturer XXXX

Company response to consumer: Closed with explanation